I was aware that while living with my mother she opened a business and listed my as the President of the company without my permission. She then opened an American Express business card with me as the primary without my permission. She then opened two other personal credit cards with me as the primary without my permission. Since I was living with her rent free, I didn't feel it was right to tell her to stop because she did have a very good paying job and was paying the cards and she was my mother. She said her credit was never established enough to get credit cards. Over a year ago, she allowed my brother to use the American Express Business card and he never paid her back. She then lost her job and had to short sale her house. She was trying to pay the cards, but didn't tell me that she fell behind and just stopped all together. I received a summons for the American Express Business card totalling just over $19,000. She was able to work out a payment plan for one of the three cards and we are waiting to hear about a payment plan on the the other one. American Express will not agree to a payment plan, but has offered a settlement of $15,000, which neither she or I have. The accounts that I personally opened under my own name are perfectly fine, i am 100% up to date on my mortgage but the house is worth less than the mortgage. My husband and I have two cars, but we checked and selling them would barely cover the loans that remain on them. I fear that i will have a judgment placed against me on the American Express Business card and will have liens against my home, wage garnishments and money taken from my accounts. I am wondering if bankruptcy is a good option. I don't want to lose my house and cars though.