Co-applicant

What is the name of your state?
Minnesota
My ex-fiance had put me on his credit card -I thought as a co-signer, but they say it's co-applicant. I never signed anything. Can that be possible? I bought items he asked for while building his house, signed the receipts, but gave him the items. We broke up-he never paid the bill and now the c/c company say they are going to sue me. This is 18,000! They say unless I file bankruptcy(because I signed all the receipts) and list this debt, I will owe it. If I file, he will owe it. he says if he has to pay it (and he should, but he's vindictive about my breaking it off) that he will then come after me. If I file bankruptcy with this debt, can he still come after me? Big guess why he's now an EX fiance!

Thanks so much.

[Ladynred]

If you file bankruptcy on the debt, he can NOT sue you for it in any way. Any responsibility you had for it, once its discharged, goes away and falls squarely on him.


You really need to insist that they prove you're a 'co-applicant' - meaning produce anything with your signature on it. I don't know if that's a sneaky way of saying you're a co-signer or an authorized user. If you were only on the account as an AU, then you should not have ANY responsibility for the debt at all as you would not be a card-holder.