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What should you do. Nothing. Forget about it. If they should sue you for that debt, you have a perfect defense. I am laid off, will be going back easy personal loans from banks work soon I hope. In order to get by, I have been taking unsecured installment loans with very high interest rates. I have come to the conclusion that even when I do get back to work, there is no way I can afford this new debt.
My question is, I know courts frown on new debt (less than 90 days before filing bankruptcy), are they going to put me in a fraud category.