yeah, from what I understand the congress and white house have made it much more difficult to get a bancruptcy over the past few decades. that seems to be about ALL they do. :wtf:

If you haven't already apply for Income Based Repayments on your student loan, that is a new law they passed last year that should cap you payment fairly low. its a good deal if you need it. thank you Mr. President. even tho I didn't vote for you, that was really cool of you. :jointsmile:

oh yeah, all my credit card companies bit it except for one who sent some dude to my house with a seopeana or something. That one stuck. They came back about 10 years later and siezed my bank account. bastards. irs did that once too but i only about 5 bucks in there back then. :rastasmoke: