A friend of mine asked me for advice and I couldn’t give him an honest answer because it’s definitely a legal issue. I thought I’d propose the question here since there are legal minds here that might have the right answer. Besides he doesn’t know about my hobby and I said I’d find out some answers somehow, somewhere and little does he know the clever minds here! So here is his situation; he is a bit of heat with RBC Visa and said that he is a co-applicant of the actual credit card not the primary. Now, the primary card holder was his Grandfather who is now deceased and the bank is coming after him to cover the balance. He said the balance is about $10 000 and the recovery department is willing to make him a deal to pay a lump sum of about $7500! They threatened to proceed with legal action if the balance is not paid within 15 days! The only answers I had for him were that although he’s the co-applicant on the card he should not be responsible for paying the entire balance! Are they using a scare tactic on him and should he offer them a lower offer to pay the balance? To any of the legal people here have any suggestions? Thanks so much people!