<prompt> Human: My father recently declared bankruptcy, and there is one credit card that we share with both his name and mine on the card. Am I absolved of paying the balance on this card? The original credit card company sold the debt on the card to a collection agency because I was in financial hardship and could not pay, but finally was able to. Im afraid that if I call the last company about the card, they will pursue me again for the balance. Can anyone tell me what the legal requirements are here?  <response>: Are you an authorized user or a co-signer? If youre a co-signer, youre screwed. Youll have to pay the debt. That is what co-signing for it is. If youre just an authorized user, youll be good. 