I have accumulated a lot of credit card debt on about 10 different cards, as well as medical bills--about $40G. This has led me to consider filing for bankruptcy.
Back when I had applied for two of the credit cards (1, 18 months ago, the other 6 months ago for a credit extension) I was unemployed but trying to start a business, part of what I wanted the money for, so I used the name of the unstarted business as my employer and estimated what I hoped my income would be.
Circumstances, health problems mostly, have prevented me from ever starting this business and led to these huge bills.
Would my representation be considered fraud since I never started company?
Would credit card company likely challenge the discharge of the debt in a bankruptcy ?
The two cards debt are about $10,000 each.