Bankruptcy and authorized users
Ok here is the gist of it, A, opened a big chain store credit card and used it for a couple of years, eventually added B as an authorized user and got a card in B's name. No information as far as dob and social were given to creditor. B paid the bills for all her purchases. Eventually A got in to trouble and claimed bankruptcy, and claimed this card, lawyer did not add the whole total of debt on this card. B called the creditor 2 months after the bankruptcy and asked if she could keep the card and continue to pay the monthly bills. Creditor told her no because it is not her card and it is to be closed. 3 months later a bill comes and it has B's name (all past bills came in A's name and B's under it) and is now being called for payment. B asks why are they calling her and they said that the application was signed by B but they don't keep the proof for longer than 2 years. B asks what social they have on the application, they ask her to confirm it and she tells them her social and they say none is on it, dob doesn't match either. Creditor is constantly calling and now they have "sold" this debt to another company. They want to settle this debt but in all actuality the debt accrued is A's since B always paid for her stuff. What legal standing does she have. FYI B was never a joint account holder