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Filing the BK basically removes the husband from liability on the account, whether listed or not, and leave the ex-wife as the person responsible to pay it.
So the ex-wife can contact the creditor and inform them that she is not part of the BK, is the only one to ever use it, and intends to continue to use it and continue to pay as she always has.
So it is not really included in the BK if there was no balance and not listed, but the husband is protected from being sued on it in the future.
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Unfortunately, many credit card companies, as private companies, can do what they want. So even if the ex-wife always paid it and always used it, sometimes the creditor sees a BK and is just scared and closes the account before looking further.
It is more of bank procedure than a legal reason.
The BK court has power technically over all of the creditors of the filer. Now that being said, if at the time of the filing, nothing was due, then is the party really a creditor of the husband.
If $2.51 was due on the filing date, then the creditor could say husband owed a debt, so it is included in the BK and close the account.
It is unfortunate if that happened
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