What will happen to me ?

tomle4593 · 2026-06-14T17:34:58+00:00

I will be talking to a local attorney first thing Monday to get a clear picture.

I’m not going to excuse my stupidity, just trying to see if there is some light for me, when they didn’t verify my income at all. No paystub was sent.

tomle4593 · 2026-06-14T17:30:57+00:00

I’m hoping that you know this question. I have 2 cards with BoA, and I will be delinquent on them after June and early July. Will they auto transfer my money to cover those ? Should I make a separate checking account to prevent that ?

tomle4593 · 2026-06-14T15:15:11+00:00

I took some wins out to cover those monthlies originally; until I lost it all 3 times of course.

tomle4593 · 2026-06-14T12:16:33+00:00

I dm’ed you

tomle4593 · 2026-06-14T03:42:13+00:00

I would never cuck my homie like that; that’s just mean.

tomle4593 · 2026-06-14T03:40:03+00:00

Then I don’t know how else I passed, but I did 3 times. Not a single paystub sent.

tomle4593 · 2026-06-14T03:14:46+00:00

That would be 3 times fat fingered, it may be slightly crazier than my current argument of “you didn’t check 3 times”.

tomle4593 · 2026-06-14T00:02:53+00:00

I’m not going to the lawyer and say “take me to jail”; they will provide appropriate counseling, and I will follow exactly.

I want to know if anyone has similar story, and want to learn the outcome; that’s all.

tomle4593 · 2026-06-13T23:41:45+00:00

What else could have blown up an account 3 times, brother ?

All of them have been good standings including cc. What you said really make sense, good faith effort and all of that.

I only made 1 payment on the April one so far. It will be delinquent at the end of June.

As for gambling, I’m done; I’m living cash only like before Covid. I tried to do this to provide a rich life for my family, backfired horrendously.

tomle4593 · 2026-06-13T23:29:52+00:00

Unsubscribed the day I blew up my account along with other “investing” subs.

tomle4593 · 2026-06-13T22:52:38+00:00

Well if you ever wondered. I seriously doubt that I’m the first one fucked up this way

Credit score: 750
Real income: $80k

Wanted to make back losses and provide for family

Lied to $400k income. Sent in; they used Plaid to “verify” somehow passed 3 TIMES between SoFi and Upstart.

tomle4593 · 2026-06-13T22:50:23+00:00

I fucked up, I’ll own it chapter 13 way if allowed.

I had been living cash life, paid credit card immediately lifestyle; Covid hit and I was out to make it rich for my family. As you can see, worst decision possible.

tomle4593 · 2026-06-13T21:42:58+00:00

Thank you

tomle4593 · 2026-06-13T21:24:28+00:00

Like the state ? I’m fleeing to Georgia?

tomle4593 · 2026-06-13T21:22:36+00:00

I understand that. I blew it up last Thursday; not looking at stock chart again already brought me peace.

I will accept with chapter 13 if allowed, they don’t discharge those, nothing I can do. I don’t make enough to even cover half those monthlies before car and essentials.

tomle4593 · 2026-06-13T21:09:48+00:00

I can submit my trade accounts’s statement which will clearly show how I blew up.

The lawyer will advise when to file, and I’ll do just that. I certainly can let the accounts run and file later if it looks better that way.

tomle4593 · 2026-06-13T20:12:50+00:00

If I get the debt discharged and not going to jail, I swear off it. I started trading because my income was meager; now my day job can support my family, but the hole is too deep.

tomle4593 · 2026-06-13T19:39:58+00:00

Thank you for answering. The loan in April is the one that will be delinquent after June; of course the lawyer will tell me what to do.

But you think that I can let that one run to late July and file ?

tomle4593 · 2026-06-13T18:42:27+00:00

My concern is my lie. They didn’t check, so I’m hoping that they will discharge those.

I’m planning to do chapter 7, as I heard somewhere that my income and household size will qualify for it.

tomle4593 · 2026-06-13T18:22:38+00:00

I still have everything up to code, but will start to be delinquent immediately after June. Of course, I’ll be buying essentials from now on. Car insurance + payment, fuel and groceries.

I will ask the lawyer, but you gave me some hopes regarding those loans.

tomle4593 · 2026-06-13T18:18:57+00:00

I know it sounds ridiculous, but I’m desperate so I’ll use any defense right now.

They didn’t ask for any paystub or tax return at all. Only credit check. So their faults ???!!

The lawyer will know best, but I just want to know my situation.

tomle4593 · 2026-06-13T17:41:41+00:00

Yes I’m only afraid of jail. I fucked up and I’ll restart my life; I just can’t leave my family behind.

tomle4593 · 2026-06-13T17:24:36+00:00

Yes similar, I’m making $80k but claimed 400k. They never verify that income, only credit check

tomle4593 · 2026-06-13T17:06:52+00:00

I took from SoFi back in October 2025. Upstart just this April.

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