If I used the credit card that is under my dad’s name, they file a petition saying that it's no dischargeable forcing me to pay him back?

I filed a Chapter 13 three years ago in the morning to convert to a Chapter 7 because I have new debt. Most of it's a non-issue, but some of it I am concerned about. During the chapter 13 I had a friend who purchased two vehicles for my family with the understanding that we would pay for those and have them put in our name after the discharge. Also he secured a credit card for us and the understanding there was that it would be for emergencies and if we used it we paid it. I recently lost my job and I'm unable to pay the credit card debt. The credit card is in his name it's not in my name at all. I know I can include it in the chapter 7 because it's not legally my dad. If I can't pay the debt then I can't pay it. It’s not that I don't want to but I really don't have the money that's why I'm filing a Chapter 7. Of course all of this was done without first consulting my attorney for the trustee.