Decision Time :S

Gerry H · Post by **Gerry H** » Sat Apr 05, 2008 10:04 pm

James Breadvan wrote:So how much do you owe?

That's too much info

James Breadvan · Post by **James Breadvan** » Sat Apr 05, 2008 10:47 pm

Gerry H wrote:
James Breadvan wrote:So how much do you owe?
That's too much info

Don't see why not. As I see it valo lives home, drives an inexpensive car and doesn't seem a heroin/crack addict. It cant be that bad at such a youngish age.

ValoSunnyGti · Post by **ValoSunnyGti** » Sat Apr 05, 2008 11:10 pm

i dont live at home, my car is fairly expensive some times >.< as for heroin and crack . im pretty much straight edge and hardly even drink , no drugs for me

its above 15k. as to how it got that high, i was basically an idiot and didnt think about things i did, my mental state at the time didnt help but that is all cleared up now. i have learnt my lesson with this all. and i know going bankrupt could be seen as running away from it but to be honest i would rather do it now than continue having issues and it getting worse.

also on an off topic not can i add you to xbox live james?

James Breadvan · Post by **James Breadvan** » Sun Apr 06, 2008 7:20 am

Yep, it's TheTrash

When I was 21 I was about 9k in dept and had not much to show for it either. I phoned the companys up and made them a settlement offer of 75ish% of the dept and they accepted(I think they have too). It then took me 3 years to pay this back. Try doing the same? Whatever you do you'll be buggered for a littlewhile, but in the future when you apply for certain jobs or loans, mortgages etc. You can say you've never been bankrupt which helps a lot

rayman gtir · Post by **rayman gtir** » Sun Apr 06, 2008 9:47 am

have you been to the citizens advice, they will give you independent advice for free, then discuss it with your mum, they can be very helpful from what i have heard.

finding a un modded clean gtir is going to be very difficult, you would probably find a CLEAN 1bar pulsar with breathing mods for