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Well you can file. And your wise to think that many creditors will rely on your sworn promises and disclosures. And yes, lots of legal problems of the type that will make your financial ones seem minor, can occur. And certainly the debts you incurred by fraud/deciet the Court will have some problem just discharging. You need a lawyer. You also need to understand that many of the laws and credit guidelines are made to protect us from ourselves. They aren't challenges to try and beat. You lied and committed crimes (very much like burglary or theft) to get credit (money) you couldn't actually afford or deserve.

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Q: Can you file bankruptcy if you lied on your credit card application?
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