I have Dallas bankruptcy clients who have put other signatories on
their credit cards, and sometime after their Ch 7 filing, the creditor
(Best Buy in this particular situation) the creditor starts
communicating with the other signatory to collect. My client tells me
Best Buy told him pointedly when he put his wife on the card that he
would be solely responsible for it. I haven’t yet spoken to her about
the situation, but my Dallas bankruptcy client says she doesn’t recall ever signing anything accepting responsibility for the card debt. Sounds like a great FCRA case in the making. I would bet dollars to doughnuts it is reported as a liability on the cosigners report. Give them enough rope to hang themselves, then pull the noose very tight. However, please don’t forget that additional cardholders may be liable for the charges *they* personally incur because of the language on the charge slip at point of sale where they agree to be contractually liable.
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