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So, the answer to your question is that you only have to pay if you agreed to pay her back. She could potentially take you to small claims court, but she would have to prove that you two had a contract where you were going to pay her back. You could defend on the grounds that this stuff was a gift as well. Additionally, because the credit cards have been charged off in the bankruptcy, you could say that the whole purpose of you paying her back, if there was a contract, has been severely frustrated. What I mean by that is that if she wanted the money back to be able to pay down the balance on her credit card, the fact that she doesn't owe that money back to the creditors significantly frustrates the whole point of the contract in the first place. Therefore, the judge would have to find in your favor. So, the short answer is no, you don't have to pay your back unless you agreed to do so.
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If that is the case, then no, you don't owe her back the $ because it was a gift, and gift's don't have to be repaid.
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