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@howard1959 Plus debt settlement (which is a form of default) will screw up your chances/rates/credit worthiness of home, car buying and other lines of credit still. Not as bad as flat out bankruptcy, but still not ideal.

@mishka333 It's crazy how much alcohol can rack up expense. My monthly total for alcohol at one point (grocery and dining out) was over $200. It's saves a massive amount if you quit drinking. Also, drinking causes you to make poor eating and other buying decisions. Drunk and don't want to cook...