Legal Question in Bankruptcy in California

bankruptcy issue

I am considering filing bankruptcy.� I have a credit card with ''XYZ'' Bank that would be affected.� It has a $10,000 balance. I do not have any checking or savings accounts with them.� However, my mother has checking acct with this bank and I am on her account (only for inheritance purposes).� When the bankruptcy becomes known, I want to prevent XYZ Bank from unilaterally trying� to recover their credit card losses from my mother's account.� I understand I cannot simply pay off the card as it violates preferential treatment law in bankruptcy.� I do not want my mother to know about any of this, and thus cannot just remove my name from her checking account and cannot ask her to open another account.� What can I do?� One thought I have is to open a checking account on my own at XYZ Bank and deposit a small amount.� If XYZ Bank later tries to recover their credit card loss, they would have to try to recover funds from my checking account first, is that correct?��� Are there any legal problems for my bankruptcy by taking this action?� I understand one can always open a checking account anywhere even during bankruptcy proceedings, correct?� Please comment on this idea, and or give me alternatives.� Thank you.

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