Sorry in advance for the long post.

Basically just asking for opinions to ease my mind. Im having really bad anxiety atm.

I have a phone call tomorrow at 330PM to go over the information I submitted with the law firm.

So basically I have a few debts, credit union (personal) loan 9.9k, Prosper consolidation loan 10.7k, two Citi bank accounts one is 7.7k and the other is 500.And then lastly I have an affirm account total debt is 2.6k. Basically my question is what is considered fraud? I'm obviously not trying to scheme just cant handle the payments, nor the debt im in. So with that being said I decided filing for BR was my last resort.

My main question is, I used my second Citi bank card the beginning of Feb, to pay someone back via paypal. Then my Affirm debt was accumulated from December/beginning of January. Will those two debts be considered fraud as they were more recent to me filing for BR? I was trying to read up on different things, from what I'm understanding, that if its a small amount of debt usually its still discharged. I did have a phone call towards the end of Jan to possibly file for bankruptcy, to see it id even qualify. And my law firm said i would, I paid the retainer fee a week or so later when i got the funds, then another 2 1/2 weeks went by and they created an account for me through their system to input all my information for filing. Well i finished. And they told me they are pulling my credit to see what debts are on it, With the affirm not being on there, obviously i need to inform them of my newer debts, how does that all work? The purchases i made, i regret but not able to return them now.

They were “want" purchases more than "needs", not trying to give an excuse but I was diagnosed with BPD and going through treatment to be more stable, So those purchases were defiantly made through a manic faze but I know that will not matter to the court or whom ever its reported to.

The law firm basically said they cannot tell me to stop paying my debt but it would make no sense because if and when it’s discharged, I can be using my money to actually live my means. So I use it for gas, car payments, insurance payments, groceries, pet supplies. - have stopped paying siti account 1, credit union loan, prosper. Never made a payment to the second citi, and no payments to affirm were given.

What do I do?