Sorry for any confusion!
If you were sued prior to bankruptcy, the court could assess damages and penalties against you and in favor of the creditor. However, if you file bankruptcy and qualify for Chapter 7, the entire debt should be discharged.
I haven't been sued...I haven't filed for bankruptcy...I just have 76000.00 in debt that is getting harder to pay...I am not late on anything.
What I was concerned with is that IF I file for bankruptcy...they would disallow it because I wasn't real truthful (I lied) all the time when I obtained that credit. When I visited a lawyer here yesterday (before finding you) they told me it didn't mater if I lied..lots of people do it. But-they also told me that the people who were "authorized users" of my credit card could be liable..and I didn't think that was right...and you said it wasn't.
So you are saying...given these circumstances...the bankruptcy should disolve the debt?
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