Wondering what move I should make.

[Erickim55]

I am basically going to need to file for chapter 7 because of my parents. They used my name to get a second mortgage on their house and used a couple of my credit cards to help out their business. So I am wondering how I should move on with this case. I don't really have any assets. I'm renting a apartment with a roommate and my biggest asset is my car that is almost paid off. I also have a couple thousand in the bank. Is there some sort of way I can file bankruptcy with them or does it have to be separate? Would I be able to keep my car?

[free2breathe]

Being able to keep the car depends on how much equity you have in it, and what the exemptions are in your state. The same goes for the cash. I think the only way you can file a joint bankruptcy is with a spouse, not with your parents.

Check this link (also found above under "Exemptions") http://www.bkforum.com/wiki/Washington to see exemptions in Washington State. You also have the option of using the Federal Exemptions instead. Federal exemptions tend to be a bit more generous than state.