<prompt> Human: Heres what happened. Was in a bad accident and about 8 weeks later deposits started showing up in my account. Went to the bank a couple of times and they werent able to tell me where they were coming from. After a few months I thought it must be either my brother it wasnt or a gofundme. Anyways after about 7 months I spent a lot of the money. After almost a year the bank called to tell me it was a mistake. I feel sick. What is my liability here. Dont want to go to jail or lose my house CAN  <response>: Dont live in Canada, but Im almost certain you are on the hook for this. How much money was it? Edit: 50K, wow, ok. So Ive never encountered this situation myself, but I think a good first step would be to inventory the things you purchased with that money, and see what you can sell. You mentioned in another comment that you purchased a carId start to seriously look into selling this. If youre able to make a decent-sized payment towards the debt at the start, it may make the bank a bit more amenable to working with you to have the remaining portion of the debt paid off on a timeline that works better for you. You didnt mention your income, but Id also look into getting a second job. I have a friend who had a significant amount of student loan debt, catered on weekday evenings and weekends for awhile after college, and is finished paying off his loans while many in his graduation year still have a ways to go. Youre going to have to be proactive in finding ways to repay this money. 