What is right?

How do you know what's the right thing to do? I think the majority of the time it's pretty black and white, but how do you decide when it's not so black and white? I honestly do not want J to go to jail or really to get in trouble at all for this stupid situation that we are in. Maybe that's just me but I really don't know what the right thing is. Do I call my credit card company and tell them that I will take the responsibility for the charges and let him pay the bill or do I let them pursue the charges against him? All of my friends seem to think that I should let them pursue the charges against him, but I need to figure out what is right for me and what I think is the right thing. I always seem to second guess myself and I never get anywhere because of that. I need to start doing the things I think are right and then just stick with them whatever the consequences are. With that, I think that I am telling myself, I let him use my card, I knew he had my card and I trusted him. So why am I not trusting him now? I realize that the relationship I had with him is gone. But I think I have to trust that he will pay me back. So, I think I have made a plan for now. I will call and talk to my credit card company and see what my options are in all of this. Then I will make a decision that is based on the things I know. I will write again when I decide.