
Before you file Chapter 7 Bankruptcy I suggest that you run your credit history report to determine if in fact you are on such a loan. Then I would contact the loan company and have them send you a verification of your signature on a loan prior to filing chapter 7 bankruptcy. If you are in fact on the loan you should be able to discharge this in a chapter 7 bankruptcy filing, although your son will still be liable for the amount of the loan.
I have responded to your inquiry according to the laws of Massachusetts, where I practice. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options.
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Joseph F. Botelho, Esq.
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