Legal Question in Bankruptcy in Massachusetts

Authorized User on a Credit Card

I am considering filing for bankruptcy, but the main thing keeping me from going through with it is that I am an authorized user on one of my parents credit cards (the ''emergency'' credit card). Will they or that card become involved if I file?


Asked on 11/06/07, 2:06 pm

2 Answers from Attorneys
Richard Ravosa Law Offices of Richard S. Ravosa

Re: Authorized User on a Credit Card

If you are an authorized user then you can reaffirm the debt(balance) if there is any. If the card is paid every month then it does not need to be listed as there is no debt, however do not pay off to avoid listing. Need more information please contact me by email

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Answered on 11/06/07, 2:16 pm
Taylor Greene Taylor A. Greene, Attorney at Law

Re: Authorized User on a Credit Card

If the account is your parents' and you are merely an "authorized user," then (typically) such an account would not be a debt of yours, and your bankruptcy case will neither discharge nor otherwise affect the account status.

Let's visit, so that I can explain more about the law and how my services might help you in your particular circumstances.

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Answered on 11/06/07, 2:29 pm


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