[Apollia]

Thanks for your reply. You seem to be a very nice person.

Originally Posted by fountainAtlas

I hold the view that though you cannot control all of your circumstances, there are enough things that an able body person can control to shape your future.

I agree, this is reasonable.

From my perspective it doesn't seem like it is impossible for you to get out of debt and continue to work on your projects.

Thanks again for making it clearer to me. I really didn't realize how close within reach paying off my debt might be, even with a minimum wage job, etc. Despite my loathing for credit card companies the thought of having all that debt be truly gone is tempting.

There are 168 hours in a week, what do you do with your time? I would have no problem sharing with you how I spend my 168 hours, I’ll summarize that I am far less productive than I can be.

Same here. I read (usually the internet but sometimes books too), write, listen to music (usually while working on other stuff), program (my major project has been a web links organizer/file organizer program written in PHP/MySQL which I'm going to release as free, open source software on my website once it's done), try to stop myself from avoiding programming, clean, try to get more organized (my program has been very useful for that so far), etc. That all might sound more productive than it really is...

I think I at least have the three programmers' virtues in abundance.

I am sure you were the kid who everyone told that you have a lot of potential.

Yes, I'm sure you were too.

I am a very lazy person,

One of the programmers' three great virtues. I bow to you.

but I find that sometimes by forcing yourself to do things you don’t want to, your life improves dramatically. Always keep in mind for ever success story like Steve (who gave it all) there might be 10 people who are broke, destitute, and possibly dead.

Definitely.

If there is a non-financial way that I can help, I would be glad to.

Thanks, I appreciate it. Same here, if you ever need some web design done, or free, open source, public domain software written, like a Perl script, or something written in PHP/MySQL or JavaScript, or anything else I can do, I'd be glad to. I'm not an expert at this stuff but I can do a little bit.

Maybe, I can help you set up a debt repayment plan?

Thanks for the offer, but I decline. Unless a deal could be worked out where the late/overlimit fees are all subtracted, along with all of the extra interest that resulted from those fees, with the penalty-rate interest being lowered and also subtracted from my balances (though I could accept reasonable interest for the year I didn't pay being added to my balances in place of the high interest), I'm unlikely to be satisfied with any plan.

Good luck to you regardless,

-FountainAtlas

Good luck to you too!

Best wishes,
Apollia