Should I file for Bankruptcy

[Jrubizov]

Hello I am 21 years old have 20 closed/ charged off credit cards that I got through lying about having a job two closed bank accounts and a secured card that underwater what should I do once I get full time employment to rebuild myself already have 84 hard inquiries in three year time span and my student loans I deferment since I lied can I go bankrupt thank for the advice in advance Jesse.

[cjc343]

http://millionmilesecrets.com/2013/05/06/lying-on-a-credit-card-application/

https://www.google.com/search?q=lying+on+credit+applications

They have no reason to go after someone who is making good on their debts, even if they committed a federal crime when applying for credit because legal stuff is expensive.

If you're debt is big enough to consider bankruptcy, it may also be big enough to consider legal action.

[compassion101]

How much do you owe?

How much do you make?

What's your monthly expenses?

[enharu]

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@Jrubizov wrote:
Hello I am 21 years old have 20 closed/ charged off credit cards that I got through lying about having a job two closed bank accounts and a secured card that underwater what should I do once I get full time employment to rebuild myself already have 84 hard inquiries in three year time span and my student loans I deferment since I lied can I go bankrupt thank for the advice in advance Jesse.

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you should talk to a legal aid. Google search for one around your area. Most of them provide free legal advice.

It's best you consult an attorney (some will provide free 1st consultation as well). 

[09Lexie]

Definitely seek legal advice. Filing bk on fraudulently conceived accounts is serious and tbh , criminal. Depending on the creditor and the amount of the loss, you need to address this problem sooner than later.

Good luck.