Now I wish I hadn't slept through all those bankruptcy classes third year of law school. My answer can't be as concise as I'd like. What I do know is your friend is in deep. She's looking at fraud charges coming from both the credit card companies and the government. She needs a lawyer fast. Along those lines, please tell your friend not to go to one of those bankruptcy firms with 800 numbers that advertise on late night t.v. They tend to be sweat shops which specialize with fast turn around of boilerplate Chapter 7 filings. Your friend (obviously) does not fall within that category. She should call the bar association and ask for a recommendation of a local bankruptcy attorney with a criminal defense background. Hope this helps
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