<prompt> Human: While filing my character and fitness application for the Bar this past fall, I found out I had 10k in credit card debt from BoFA that was then sold to Portfolio Associates because it required me to pull my credit report, something Ive never done.It seems like the BoFA CCs were delinquent in fall 2010 and Porfolio Associates bought it 1 year later.The accumulated CC debt IS in my name as my dad opened those lines since we had a joint banking account checking savings; something he set up when I was a kid. I do not use BoFA, but Ive also never closed the account. I honestly forgot I even had that account. I also did not approve of the CC applications.I never received any letters from Portfolio Associates. Ive never received phone calls from them. Well I may have, but I screen calls and they never leave a voicemail. Ive called them upon finding this negative item on my credit history but theyve yet to send me any evidence that they actually hold the debt.I have several questions regarding what I should do - Due to this delinquency, the State Bar MD wants a proof of payment plan for this debt. I need to get everything sorted before May 1 so that I can get sworn in late May. Has the statute of limitations to collect on this debt passed? I live in VA. The BoFA CCs are from CT? I dont think I can get around this debt. My dad however cannot pay. He is very sick and physically cannot work. I can probably pay about 100mo because of student loans. Max I can pay right away is 1k, but I dont think they will settle for that low. How should I approach negotiating repayment? I do not want to give them too much info so they can threaten wage garnishment.Thanks for any advice!EDIT: I also wanted to know if there was any way of rehabilitating my credit score with these delinquencies. Im pretty sure Ive read that I cannot get the negative items off my record until theyre paid off, but I cant wait for 10 years at this point...My credit score is 629 according to my Capital One Credit Tracker Summary  <response>: Id call the Bar and explain the situation to them. They might let you get by with just filing some form of statement or affidavit explaining that the debt isnt yours.I understand that youve got the whole Bar application pressure, but ultimately you should be able to discharge this debt from your name so I would be very hesitant to make any payments. Firstly, it isnt your debt so you have no legal or moral obligations to pay it. Secondly, making partial payments can restart the SOL. 