I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.