<prompt> Human: Hello there,I let one of my parents use my credit card for 10,000 as I was 100 sure it will be repaid. Unfortunately after 40 years of marriage the parent decided to cheat and as I did not condone that, I am now left with 10,000 credit card to repay Monthly interestminimum payments total to around 400 also I have Student finance to repay monthly as there was an issue and i owe them money 250 and a small loan 60 as well as normal monthly outgoings such as food, traveling, phone etc.I do not have a job yet as i am still studying and since my car has broken down, I really need a new one to commute to and from university. Public transport isnt really an option since I live so far away it would take me 3-4 hours one way.May I add i still live with the other parent but Im sure they wont handle paying off all the bills alone so I will also need to help with that.Is it worth declaring bankruptcy? How does bankruptcy even work? I dont have to pay off any of my debts apart from the fee to declare bankruptcy? There is no way I will manage to earn over 1,000 as a full time student.Please help.  <response>: You basically authorized a charge on your account for someone else. Im assuming here that the parent agreed with you to pay off that expense. They have breached that verbal agreement. Not sure how UK law really views that. 