no clue please help

[josh3338]

I am thinking of bk but my problem is I have 44k cc debt that is in my mothers name. She helped me with high interest rates. But if I transfer it back to my name then bk am I going to get hassled? If so how long should I wait? Thanks

[keepmine]

You bet you're gonna get hassled if you transfer it back and default immediately. You need to be able to make minimum payments for a year before you default.

[BKOnce]

Mom file BK. Already sacrified.