I used my in-laws credits cards to purchase things for my family as we were going through a rough time. They did not authorized me to use them and the amount escalated to $39,000. I have been making payments on each and every one of the cards. Now they know about what I did and my father-in-law is threatening me to call the police so they can take me to jail. I had access to their accounts because I was in charge of paying their bill. From his credit cards I use one and from my moyher-in-law's I used 3. My wife and I had a meeting with them and assure them that we will continue making the payments and possibly transfer little by little some on the amount we owe to an account under our name. If I was to be taking in, for how long would I be in jail and do I need to repay it back?