Legal Question in Bankruptcy in Alabama

Outstanding Balance
''Person A'' opened a joint credit card account with ''Person B'' as the primary member on the account, without ''Person B'' knowing about it (or permission). Now ''Person A'' has filed Chapter 7 Bankrupty on this joint credit card account, without ''Person B'' knowing about it. How much does ''Person B'' has to pay on the balance? The joint credit card was included on the Chapter 7 Bankrupty filing, but now the credit card company has removed ''Person B'' name from the account, and has changed the 16-digits number of the account. Does ''Person A'' still have protection of the Chapter 7 Bankrupty on this account?

Asked on 2/21/06, 1:48 pm

Sterling DeRamus Sterling L. DeRamus, Attorney at Law

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Re: Outstanding Balance

Person B is not liable on the Account. But it might be difficult to prove fraud. Person A committed the fraud, and I'd doubt they'd testify to that.

Person A is still liable on the debt because they committed fraud. However, the CC company must challenge the discharge in Bankruptcy first.

Sterling L. DeRamus

Answered on 2/21/06, 5:17 pm

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