MasConcepts Incorporated

Hello! Using a backup account because I don’t want anyone I know finding my main one. I’m from the US in Ohio. So I’ve got about $40,000 in unsecured debt (6 credit cards & 2 personal loans). I also have a gambling problem which last week I FINALLY decided to self exclude both online and in person for my state which is a huge step. I hit rock bottom last month after I used my tax return/small savings (around $1700) for online slots. This was my first time using online gambling before, I only had gone in person. Blew through the savings, and in a panic I got approved for my second personal loan which was $8,200. I had every intention to use that for bills and savings but ended up losing it all to gambling, on top of taking out $3,500 with Affirm. I know I hit rock bottom and need help, which is why I started with self-excluding. Anyways, with the new loan and affirm, I owe total with all my bills $2600 a month and I only bring in $2,050. Clearly that’s impossible to pay. I met with a bankruptcy attorney and I basically have to wait to file since my loan is too recent. I’m having a baby next month so I’ll have even more expenses now. My question is, what has been your experience timeline wise when you stopped paying? I’ve never missed a payment until now and I’m thinking the worse that they will sue me immediately.