$32K in credit card debt at 28% interest.....

Originally Posted by Buena Fortuna

There are no more loopholes...that's why they can legally charge 28%. Coming out of individual BK without unsecured debt to repay is virtually impossible after the last changes to the BK laws

There are, you just have to be a lot more clever, old laws it was so simple buy nice house get a degree nice car. For legal and ethical reasons I hope you understand I can not post how to pull this off. But I assure you I do know there are ways to do it.
old laws were nearly as simple as :

I don't want to pay it back.
Uncle sam : k
You hahahahaah

Now with a few K hidden away in under 1 year 700+ credit rating.

It really was that simple still rather disgusting.