nothing ive been their all u can do is explain the situation to whoever ur applying for credit. u might be able to take him to small claim court and sue him for the remainder of the balance to pay it off
It will affect any accounts that you own jointly. The public record should not show on your credit report but the accounts that are included in bk which you share will be reported to the bureaus as "included in BK". I would suggest that once the process is complete you contact all three major credit bureas and have them add a description to the account and notate that the accounts are cosigned accts and that you are not the principal signor.
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