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# Hahaha
Unfortunately going Bankrupt is an easy way out for many people these days with no 'real' punishment. They don't just owe money to banks etc but to decent hard working people who they crap over and can walk way guilt free and not pay back the money they have robbed. Takes only a year or two to get their credit rate back up and they do the same.

Sorry for rant but have personal experience
(I helped save b3ta! spazzcaptain Misses Valin @, Sat 4 Jan 2014, 0:40, archived)
# I'm two months away from being debt free from owing £22,000
I've done it by repaying every single penny and going without anything but the basics for four years.

(I helped save b3ta! h3donist tryin' to play me out as if my name is Sega.., Sat 4 Jan 2014, 1:04, archived)
# Good for you.
(I helped save b3ta! FeralCatMan Unusual disease collector., Sat 4 Jan 2014, 1:05, archived)
# I fucking applaud you, man.
I'm still clearing debts from 1988. I'm going the "stand on your own feet" route and for you to clear that amount in 4 years is awesome.
I have been royally shafted with fines, charges and multiple accounts - I was totally in agreement with Rab C Nesbitt's "Rab in Hoodie" ethics last night (http://www.bbc.co.uk/iplayer/episode/b03ndb1g/Rab_C_Nesbitt_Rab_in_Hoodie/).
(I helped save b3ta! Jabberwoc misses D.R. and Quinch, Sat 4 Jan 2014, 1:17, archived)
# That's damn good going in four years
(I helped save b3ta! Marxist Pig Better Red Than Smeg, Sat 4 Jan 2014, 1:17, archived)
# I've been fortunate though
I've had a full time job and no kids to support so I've had some money left over at the end of the month to throw at the debt. Used a debt management charity to help negotiate with creditors too. It's been scary at times - have been dragged round the court system, had charging orders put on my house, survived on basic food and have had to beg for help when things went wrong (fridge packed up, car repairs etc) but it's a life lesson learned and I certainly won't be going there again.

The hardest part is the fact that I have little to show for it - I never got into debt buying flash gadgets or going on holidays like some - our debt was racked up by bank charges (£35 for a £2 unauthorised overdraft), household maintenance and supporting the wife through illness.
(I helped save b3ta! h3donist tryin' to play me out as if my name is Sega.., Sat 4 Jan 2014, 13:13, archived)
# Well fucking hats off, mate..
(I helped save b3ta! Jabberwoc misses D.R. and Quinch, Sat 4 Jan 2014, 21:45, archived)
# Fair play to you chief.
Perhaps a change in username is in order.
(immadme, Sun 5 Jan 2014, 11:09, archived)
# hahaha
I'll certainly be h3donist again by April (budget permitting of course)
(I helped save b3ta! h3donist tryin' to play me out as if my name is Sega.., Mon 6 Jan 2014, 9:14, archived)
# Plenty of them about.
(I helped save b3ta! FeralCatMan Unusual disease collector., Sat 4 Jan 2014, 1:07, archived)