I am filing chapter 7, however lied on my cc applications. What could happen to me? I am on a fixed income and own nothing.

Asked over 1 year ago - Paso Robles, CA

I owe 20s

Attorney answers (3)

  1. Brian Crozier Whitaker

    Contributor Level 17

    2

    Lawyers agree

    Answered . Probably nothing. The worst that might happen is that you might not receive a discharge of certain debts where the credit card company thinks it worth it to file an objection, prove your fraud, and demonstrate that they relied on your lie to issue the card. This is a heavy burden; and you can usually settle those objections for about half of what you owe.

  2. Diane L Gruber

    Pro

    Contributor Level 18

    3

    Lawyers agree

    Answered . Lied on your loan application? Depending upon what kind of lie, IF the creditor files an objection to discharge, that debt will not be discharged but the rest will be. BE SURE to tell your attorney about this lie. Good luck.

    Be sure to designate "best answer." If you live in Oregon, you may call me for more detailed advice, 503-650-9662.... more
  3. Walter C Oney Jr

    Contributor Level 17

    3

    Lawyers agree

    Answered . For one thing, you may now have waived your fifth amendment privilege in any criminal prosecution or non-dischargeability proceeding that might eventuate. Only a California criminal defense lawyer can assess the likelihood that you would ever be prosecuted, but it's silly to post an online confession to a crime! For anyone else who's reading this thread, if you're going to post a question online, be smart enough to phrase it hypothetically -- i.e., "suppose it were to be found that my statements on credit card applications were untruthful..."

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