Estate Law Questions? Ask an Estate Lawyer.
I am sorry to hear about your situation. I do not think you will have criminal liability here if you had no criminal intent. However, you do have some civil liability in that you will need to repay the amounts. I would have your attorney negotiate some sort of settlement and payment plan that you can comply with. I think that will be the route the parties would want to pursue as it minimizes the legal expenditure of all parties.
Happy to answer any specific questions you have.
If you have any additional questions just let me know otherwise a positive rating would be greatly appreciated.