Thank you for your question.
If the cards are in your wife's name, then the debt cannot be discharged through the daughter's bankruptcy. The appropriate way for your wife to hold your daughter accountable for the debt would be for your wife, or your wife's guardian or conservator (if someone makes financial or legal decisions for her), to sue the daughter for the debt. However, a judgment against the daughter may be discharged in the bankruptcy. So, the lawsuit may need to wait until after bankruptcy has been discharged (as long as the cause of action is still within the statute of limitations).
Otherwise, the only other option is to report the daughter for fraud and try to get the debt out of your wife's name. This option may carry criminal consequences for the daughter. Unfortunately, once debt is amassed in one name, it is not as easy as transferring it into the name of another, especially in this context.
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