He was an authorized user, used my credit, said he would pay it off. I have proof from him and his mother saying it would get paid off, also still have the cards that show his name on it.
I just want to know if I can sue or is it even worth the trouble? Or should I file for bankruptcy? debt is well over 10k.
Most BK lawyers will give you a free consultation so you can find out what to expect. I suggest that you not hesitate to consult several or more lawyers. You will find there are big differences between lawyers in what they know, what they charge, and their level of friendliness.
Or, you can sue him in small claims court. But suing him does not mean he will ever pay you.
It's your decision.
You can sue him. Consider if he has income or other assets on which you can collect.
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