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by toast0 2501 days ago
You would need to play the long game here. Maybe use a balance transfer with a promotional rate a couple times to kick the can down the road, and then file for bankruptcy.

If this is constituted as a preferential payment, the clawback period is 90 days, if it's considered fraud, it would be longer. However, if someone lets you borrow money unsecured and you use it to pay a non-dischargeable debt, and you can't make the payments on the new debt, that's most likely the new lender's poor judgement.