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Bankruptcy and credit cards

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Junior Member
What is the name of your state? Ms Sorry lady in Red lost your last reply on one question . What is the diff in chapter 7 and 13 or bakruptcy? also what if you did not sign for credit card but your wife forged you name as second creditor ?

Debt Guy

Senior Member
This link will explain the diffences in 7 and 13 -- http://www.bankruptcy-courts.net/

As to the latter question, I think it depends on several factors. If your wife forged your name then it is ID theft. Normally, you would notify the credit card company and then file a police report for theft. In that case, the credit card company would forget about you and the DA might prosecute your wife on a criminal charge.

But, if you knew about the fraud and did not do anything about it, then you are not likely to get much sympathy from the credit card company or the cops. Their view will be that you knew about it and did not do anything and thus "agreed" with what she did.

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