If you used your mother's credit card to pay a bill, she is responsible for the debt. You can discharge the obligation you have to her, but you cannot discharge her obligation to pay the creditor.
You don't owe a debt on your mother's credit card, she does. You can file a bankruptcy and not owe you mom, but that might cause some strain in your relationship. Your mom can file a bankruptcy on her own credit car if she otherwise qualifies for bankruptcy.
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