<prompt> Human: Ok so I have an issue with some debt I just inherited from my uncle this past summer after he passed away. I originally signed up as a joint member on my uncles credit card to help build my credit it was 08 and i just got out of high school. After a couple of years I managed to get a card in my own name and stopped using my uncles. I tried to get the bank to take me off the card but they told me we would need to close the card to do so. My uncle didnt want to close the account because it has a really good interest rate. So I remained on the card and until recently had no issues with it. However after he passed the bank told me I have to pay even though none of the charges are mine Nearly 4000 worth. Im in my last year of college and have enough a debt to deal with as it is. Do I have any options in this case or do I have to bite the bullet and take the hit? I already tried talking to the bank to see what they can offer but all I got was consolidation offers which wont really help me settle the debt without effecting my credit. Im not having any trouble making payments so far but I would prefer not to pay for something I never bought.Thanks for the help and time.TLDR: Uncle passed and left me with 4000 in credit card debt I am a joint card member. None of the charges on the card are mine. What are my options to either remove the debt completely or lighten the burden wo effecting my credit.  <response>: You cant do shit because you agreed to pay the account. See if your uncles estate will give you money to pay the debt.By the way, you didnt inherit this debt. It was always yours. 