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I used the cards for cash advances and gambled the money away...thus the compulsive behavior problem. It was a revolving door of trying to win the money back which didn't happen. There is nothing to sell.... thanks for the advice

thank you for your response. I guess I am going to be charged because these is no way I can pay this off in on lump sum. My friend told the card company that she didn't make the charges and didn't know who did and they are investigating once they get the form back from her. She hasn't sent it in...

I used my friends credit cards and ran them up over $20,000.00. I told her what I did and she contacted the card companies and told them that she did not make these transactions. She did not tell them it was me. What can I do to make things right with these companies? I want to pay them back...