Consumer finance cards were made -lawyer dot com debt

[Background of consultation] I would talk about money about two months ago when I talked about the future about two months ago. It was a story that you could get money. An acquaintance of his boss said that he was working for consumer finance and could get money from him. I liked him, so I made a loan with four companies without doubt. At that time, the card, documents and PIN are all kept, and I leave it as it is, and there is nothing in my hand. Two months later, there is a reminder call from consumer finance, I can't withdraw money without having a card. So there is a high possibility that he is pulling out and using it. However, on the date of giving me the money, I noticed that I was disconnected and was deceived there. I know that I have a duty to pay because I borrow it in my name. But I have a low income and it's not the amount I can return at all. [Question 1] Is it better to go bankrupt in this case? Or can you go bankrupt?