I ' ll have what he ' s having . <| sep |> I don ' t mind if you are accused of cheating , I mind the effect it has on the team doing the accusing . <| sep |> I ' ll be getting Witcher 3 it was what 40 bucks maybe ? <| sep |> I very much understand getting a specialized ship would be more efficient , but I value the flexibility because if I get bored with something I can try something new . <| sep |> Details matter . How much debt is it ? What state do you live in laws differ state to state ? Whats your income ? What are your assets ? If its 100 k of debt and your income is 25 k a year and you live in Florida where your primary residence is protected from bankruptcy . id suggest declaring bankruptcy instead . If you have 5 k of debt and make $ 400 , 000 a year , id recommend cutting back on spending .