going thru ch 7, got ? about.......

[qwikk6]

... i have a creditcard thats in my moms name from years ago when i was just a aknowledged user. over the i have used it andpaid it, am guessing with all the years have passed the balance shows up on my credit report. so my ? would be what do i do about this one since im not original owner of but majority user of card. since its on my credit report do i list it or will they then ding my moms credit and still have pay for it
thanx for your input

[lrprn]

... i have a creditcard thats in my moms name from years ago when i was just a aknowledged user. over the i have used it andpaid it, am guessing with all the years have passed the balance shows up on my credit report. so my ? would be what do i do about this one since im not original owner of but majority user of card. since its on my credit report do i list it or will they then ding my moms credit and still have pay for it
thanx for your input

Unless your mom officially made you a card co-signer somewhere along the way, she is still ultimately responsible for the card, even though you have been the primary user and make the monthly payment. An authorized user is not responsible for what is owed on the card - the owner is.

You can't list a debt on your creditor list unless it's actually yours. Suggest talking with your mom and see if she ever did make you a card co-owner who is as equally responsible for the debt as she is. You can also call the card directly and ask to speak to someone about your status on the card - co-owner or just authorized user. Do NOT mention you are preparing to file Ch 7!

[SinkingFast]

If you pulled your Credit Reports, you should have seen a notation that you are an Authorized User, not the primary or joint on the acct.

If you haven't already, stop using the card and have your Mom call and take you off the CC as an Authorized User. It may take a couple of months for the notation that you are no longer an Authorized User on your Credit Reports.

Once your BK is filed and you're at least past the 341 Meeting, even better, wait until Discharge,.......... Then you can be added back as an Authorized User.