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fair enough, missed that one, a bit complicated but if it is true, then fair enough. btw. I am not judging the OP, i too when I was very young been in debt, it wouldnt be as much now but when you are young it felt like $10 million, bankruptcy never came into my mind and im glad I didnt

i am struggling to comprehend how you get a PERSONAL debt of $320k unless he bought a $300k property for $500k which I imagine wouldnt happen or some recession/depression which we havent had $30k credit card debt $50k car debt $20k personal loan debt thats $100k, as an example...