Yes, we need facts.
Your definition of "fraud" may not meet the state's or federal defintion of "fraud" which would be the only way the monies in question would not be dischargeable.
An Ebay seller sold very small item ( between $5-$15) to generate 100% feedback, then sold very large items ( between $430-$480) to many people without ever intending of sending the item, just to pocket the money and run.
The person never had the item and every person( including myself) never received the item. Everyone had to dispute the payments with the credit card comapny/ebay.
I unfortunately send the person a check and could not dispute the check.The person then told me the only way to get my money back from them was to send them more money so they could pay an insurance deductible. I have emailed the other people who bough thing from her and they told me that this person tried to scam them as well.
She maybe did this to 15 other people, not a single person has received the item and ebay/paypal has closed the account. She then created a long string of complex lies in order to keep me from going to the police until she declared bankruptcy.
I researched public records and this is the 3rd time she has declared bankruptcy in the last 10 years and multiple judgments against her.
She used false information to get me to send her money without ever having the item and with no intention of every delivering. Basically, it was like one of those Nigerian scams but dealing with someone in America( instead of Nigeria)
I am trying to get advice on my best course of action to get my money back after she has declared bankruptcy.
Please let me know what other questions you might have.
Thanks.