If you are an authorized user then it is not your debt but your mother's debt. Your mother's bankruptcy discharged (wiped out) the debt in question. The collection agency is not allowed to collect from you as, again, it is not your debt. This would not be the case if you were a joint debtor with your mother.
It goes to a collection agency, prepare to get annoyed and harassing phone calls
It goes to a collection agency, prepare to get annoyed and harassing phone calls
It goes to a collection agency, prepare to get annoyed and harassing phone calls
It goes to a collection agency, prepare to get annoyed and harassing phone calls
No, authorized users are not responsible for debt incurred on such an account.
If they are only an authorized signer then the bank account will not be touched. If they are listed on the account as a user, it could be frozen at any time.
The new bankruptcy law requires that you list the original credit. However, I recommend reporting both. It doesn't cost you any extra money because the bankruptcy court mails out the notices and the harassing phone clals will stop sooner if you notify the collection agencies as well as the creditors.
No, because an AU is not legally responsible for repayment of the debt incurred on the account.
Include the original account number if you are including the original creditor. Include the account number for the collection agency if you do not have the orignal creditor information and are including them as "Care Of" for service.
No, once a bankruptcy is filed an automatic "stay" is in place, and creditors cannot pursue any collection action. Even outside of bankruptcy, a creditor cannot arbitrarily garnish a debtor's bank account. The creditor needs to file and win a lawsuit, be granted a judgment and then enforce the judgment as a bank account garnishment.
No, authorized users are not responsible for an account. Only the actual account holder is responsible for all debt that is incurred.
If the account the cosigner is on is included in the bankruptcy it will appear on their credit report. In most cases the cosigner will not be relieved of the debt when the primary holder files for bankruptcy. The creditor(s) can then pursue the cosigner for the collection of money owed.