bankrupcy

If your mom files bankruptcy, it won't affect your credit. However, if you and your mom are both responsible for the credit card, then if she includes it in her bankruptcy, the credit card company will still be able to try to collect the balance from you. If the account is delinquent, then that will affect your credit. Some employers do check your credit report before they hire you and some do not.

its under my name but she co signed with me and she ran it up

If you are the primary and she co-signed, then ultimately, you are responsible for making payment, even tho she ran it up!

thats the danger of giving access to someone else...even if they co-signed they are more likely to dump the debt as opposed to them having the card in their name alone.