<prompt> Human: So i live with my mother and grandfather and they are behind on bills and rent kind of badly. They have a lawyer who told them to file for bankruptcy but my family thinks i also need to file for it because my name is on the lease because i had to sign it because i was over 18 at the time. Im currently 26 and dont really have any credit because iv only had one real job. But iv heard it stays on your credit for 10 years. Do you i actually also need to file for bankruptcy?Assistant: You may not even be eligible to file for bankruptcy. However, you will be responsible for the lease that you have signed even if your family files for bankruptcy. You seem to have a very minimal understanding of credit for one thing, its not tied to your job and you would really, really be helped by reading some of the info on the sidebar of this subredditHuman: It may not be tied directly to your job, but it most definitely can prevent you from getting certain jobs that require credit checks.Assistant: thats what im worried about. but i also have zero credit im told  <response>: Do not rely on what Im told. Pull your credit report. Its free and the FAQ tells you how to do it. How much debt is causing your parents to file bankruptcy? I think youre worried about a false measure of wealth. Truthfully, youre 26 and arent working. Youre likely winding into a part of your life where youre nailing down your earning potential and things arent looking good. I would advise picking up a job, pooling cash, and offering to settle for less than owed long before filing bankruptcy. 