Give me one good reason not to file for bankruptcy

on a downer there are so many things i want to do but can't allow myself the expenditure untill i'm all paid up.

i will have a massive FAP though when i'm paid up, because that will take me up untill my birthday so it'll be a debt free birthday bash FAp!

Really though does material comfort make it easier to follow your muse? Or does it just coddle your muse into eternal slumber ha ha ha...

DON'T FUCKIN TRY IT

the thought of changing my name, fleeing the country, and becoming a pole dancer did cross my mind...

that and faking my own death etc....

You might make too much money to qualify after the bankruptcy reform laws go into effect. You're not fucked forever, credit-wise, just something like seven years although that might have changed also. You can probably get a free consultation from a bankruptcy attorney to find out if it's really a viable option, although I'd avoid those people who advertise on TV just out of principle.

I don't understand consolidating. What's in it for the consolidators exactly? They're for-profit aren't they?

Some consolidators are for-profit, some aren't. They buy the debt off of the people you owe it to -- often for less than the face value -- and then take your payments. The people you originally owed get their money and don't have to worry about you; the consolidators set you up at a lower rate and collect from there.

you're the one who factors in the "premium on following your muse" (hint: it's MUCH easier to do if you're not worried about debts)

consolidation is a good idea PROVIDED YOU GET GOOD ADVICE (otherwise you will get ripped off and end up paying more)

"They'll point out how I can be more middle class. I have no interest in that."

"why don't you set up as a general giver of advice? since you obviously know everything there is to know already..."

I've always thought it was odd how when people present problems on ILX there will always be a call to "get professional help". Isn't the very virtue of this board pinned on the idea that dispassionate professionalism can't hold a candle to partisan lived experience...Mark S, you warn me to "GET GOOD ADVICE" but that's exactly why I came here instead of to people I have no affinity for.

What's stopping me going bankrupt is mostly the same general laziness that got me into big debts in the first place.

Also I would like to wait until I have put more space, legally speaking, between myself and another person who might become unfairly involved.

A 'runner' is where you move house and tell nobody official, thereby clearing all your debts at a stroke. I have successfully done this twice, but the amounts involved were smaller. Also I am older and more nervous. I have heard of people being traced abroad, years later. Dunno how common that is. When I disappeared I went no further than round the corner, if they had only thought to look.

But I'm still curious about my first comment above. I can't say to a debt counselor "will declaring bankruptcy put me in a different social class?" I can't ask the oncologist "will having cancer affect my relationships with other people"? And these questions are equally if not more important than actually combating the disease, aren't they?

you can either regard this as (a) suffering helps make a legend; or (b) do as i say not as i do vis-a-vis kommunism.

Sorry, I'm being facetious arent I. Ah well.

(yeah i know...do without london. but i've got nowhere else to go)