If I file 7 what happens to my mothers co-signed loan?

[oliveoil]

While looking around on the internet I stumbled on this board and it is helpful to know that a support group exists and I am not alone.

My $22,000 in CC debt and a loan with my mom which she co-signed are my two largest debts. My car is paid for but my house has a loan also. I wonder can I just include the CC in my bankruptcy and keep paying on the loan with my mom? I don't want to mess up her credit as well as my house loan. Will this effect or show up on her credit?

[Danielle1981]

You can reaffirm any debt you want in bankruptcy. So you could potentially keep paying on it if you chose.

[FilingOnMyOwn]

I don't know if it will show on her credit reports. But she will ultimately become responsible on a co-signed credit line if you don't pay, so you may want to question whether you should even bother filing.

[Danielle1981]

It no longer shows up on her credit report. They used to do that but the laws changed.