First of all, look at your assets mortgaged to the bank for auction, which can repay more than 900 thousand credit cards. If not, be convicted of fraud. So, don't worry, the bank is negotiable. You pay it back slowly in installments. It is not the ultimate goal of the bank to catch you without the money. The bank wants money, so you should take the initiative to discuss with them. Stop paying the principal. Pay back the credit card first, regardless of other loans. Other loans don't go to jail, and credit cards go to jail.