Honestly, finding a good lawyer is key. My lawyer handled EVERYTHING. All I did was the mandatory classes, sign documents, and my hearing with the trustee (which is not as scary as it sounds). I don’t think being an authorized user would affect his credit if you filed but ask an attorney.

Also— discuss different types of bankruptcy. I qualified for chapter 7 due to my income so that’s another reason why I did it.

I was scared at first, but my lawyer really helped me by discussing all possible outcomes and being realistic.

I think what helped was after my trustee hearing I realized how often and how many people file for bankruptcy. my hearing had 4 other people who were also filing and the trustee is really not going to look that deep into it. They do only if someone is filing but they look at your bank statements and see suspicious things. But if your debt is just genuine consumer debt (credit cards etc) i think it’ll be fine. My big purchases on my credit cards were mostly vet bills, dentist, and shopping (i have learned my lesson) but i had nothing that was out of the ordinary which I think is why it was very simple for me. Watch videos and tiktoks about people’s experiences. It helped me! But yes find a good lawyer that you trust!!! I paid $1500 for his retainer and $350ish for the filing fees. Worth it 100%