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Authorized user on CC = money received???

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    Authorized user on CC = money received???

    hi everyone,
    I am wondering if being an authorized user on someone's else CC (not joint account holder) equals in the eye of the BK court as "money received." Even though I have not received $$ and am only using the CC for purchases, do I need to include that or tell the trustee that someone is letting me use their card? Am I able to use it before/during/after BK without issue? I do not know if that is traceable and I do not want to assume anything and then have them find out I have been using it and my case get thrown out. Thanks so much for your help.

    #2
    It's not your card. You have no obligation to pay any of the bills.
    You don't need to list it.

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      #3
      hi keep! Thanks for your response,
      I am not worried about having to pay the balance on the card. I am more concerned/worried that it would be seen as "income" or something and I thought I read that the trustee at the 341 asks us if we have received any money/property within the past X amount of time. So...I just dont want to assume that I can say no, and then somehow they know that I have been using it for several months and continuing to do so while filing.

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        #4
        Again. it's not your card. You can't list it in your bk. Nobody cares that someone is giving you a cc to use.
        The bigger concern is, from a personal finance point of view. You're filing bk and still can't support yourself without access to credit. You really need to get that issue fixed or, you're right back in the same boat post bk.

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