difference from auth.user or joint

[helpsoneeded]

Hi again, I want to file alone without my husband. He does not want to file, but he has 40,000 in c.c. debt. Do I have to disclose that if i am only an authorized user on his accounts. They are not joint accounts and all my c.c. are only in my name, he is not even an auth. user. Is there a differenc? Thanks

[lrprn]

Hi again, I want to file alone without my husband. He does not want to file, but he has 40,000 in c.c. debt. Do I have to disclose that if i am only an authorized user on his accounts. They are not joint accounts and all my c.c. are only in my name, he is not even an auth. user. Is there a differenc? Thanks

There is a difference between being an authorized used on a credit card and being a co-signer.

Any cards that have you as only an authorized user you do not have to include in your bankruptcy because you don't owe the debt - the card owner does.

Any cards that list you as a co-signer you do have to include. You have agreed to be responsible for the debt if the other co-signer bails.

It's a shame your husband isn't willing to file with you so you two could get a real fresh start. Filing bankruptcy isn't the end of the world. Perhaps he doesn't understand that after 2 years of good credit history after filing, you'll get almost everything you could have now - mortgages, credit cards, the works? Not to mention incredible peace of mind!!