<prompt> Human: So my gfs ex-bf convinced her to get a joint credit card with him AND to let his friend use a different one of her credit cards for some business purchases. The idea was the friend uses her credit card, she gets the reward points and then he would pay her back. Fast forward a couple months and she broke up with him and he AND the friend are refusing to pay their debt. The credit card the friend used was only in her name, and has a few thousand in debt on it. The credit card her ex has debt on is a joint account with both their names still on it. She cancelled both cards so they can no longer be used, but the debt is still associated with her.Any advice or options would be greatly appreciated. I have no clue what the next steps would be.P.S. I know this is on her for letting these guys use her cards, but I am just trying to help her out. Shes a very trusting person and her ex obviously took advantage of that.Assistant: She can pay the debt and sue them in small claimscivil court. If she can prove that they agreed to pay her back, she might be able to get some of the money back. Depending on the exact amount that they owe her, it might just make sense to chalk it up as a life lesson.Human: What about the joint account? Is there any way to get the bank involved since his name is on the account as well?  <response>: From the banks perspective, both her and the ex are 100 responsible for the charges. They will go after whoever they feel is easier to collect from. To mitigate the hit to her credit, paying off the debt and then pursuing repayment through the courts is the best option.However, this depends on it being an actual joint account, rather than your gf adding her ex as an authorized user on a credit account in her name. In that case, only she is responsible for the debt. 