A guarantor on a contract is responsible to the same extent as the principal debtor.  While you claim BK, the creditor may also go after your daughter as being on the account.  In other words, your daughter equally liable and is responsible to pay if you dont.  Your filing of BK only discharges your debts, not hers.  Since she has separate legal capacity from you, the card company can go after her regardless of your debt.  I suggest hiring a lawyer to help negotiate a payoff if your daughter is not worried about having her credit hurt.  otherwise, she should pay the card's minimun requirements.