What is the name of your state (only U.S. law)? Texas.
I have racked up 25k in debt over the course of 5 years. I lied about income on multiple CC applications with multiple banks. My income is 33k a year and I put 60k on applications. I kept lying and lying while increasing multiple credit card limits until my total credit limit of all my CC's was around 80-90k. I was young, ignorant and greedy. I grew up with a poor family and my sibling had passed away and my mom at the age of 18. I suffer from depression and a gambling problem. I lost alot of money day-trading crypto currency, casinos, bills, etc. I didn't realize what I was doing was fraud and now I am at the point where I don't think I will be able to pay back this debt. I have made 100% on time payments with all my credit cards but it has always been the minimum payment so over time this debt has built up. I am afraid that if I have to file for bankruptcy and when I go to court, all of my lies about income will be uncovered and I will be convicted and sent to prison or fined alot of money. I already changed my income to the correct amounts with all CC banks with their online banking system. Please help me. I know what I did was wrong and I probably deserve the worst and I appreciate any and all advice. Thank you so much.
I have racked up 25k in debt over the course of 5 years. I lied about income on multiple CC applications with multiple banks. My income is 33k a year and I put 60k on applications. I kept lying and lying while increasing multiple credit card limits until my total credit limit of all my CC's was around 80-90k. I was young, ignorant and greedy. I grew up with a poor family and my sibling had passed away and my mom at the age of 18. I suffer from depression and a gambling problem. I lost alot of money day-trading crypto currency, casinos, bills, etc. I didn't realize what I was doing was fraud and now I am at the point where I don't think I will be able to pay back this debt. I have made 100% on time payments with all my credit cards but it has always been the minimum payment so over time this debt has built up. I am afraid that if I have to file for bankruptcy and when I go to court, all of my lies about income will be uncovered and I will be convicted and sent to prison or fined alot of money. I already changed my income to the correct amounts with all CC banks with their online banking system. Please help me. I know what I did was wrong and I probably deserve the worst and I appreciate any and all advice. Thank you so much.