Welcome to General Chat - GAW Community Area
This General Chat area started off as a place for people to talk about things that are off topic, however it has quickly evolved into a community and has become an intergral part of the GAW experience for many of us.
Based on it's evolving needs and plenty of user feedback, we are trying to bring some order and institute some rules. Please make sure you read these rules and participate in the spirit of this community.
Rules for General Chat
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Be respectful to each other. This is of utmost importance, and comments may be removed if deemed not respectful.
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Avoid long drawn out arguments. This should be a place to relax, not to waste your time needlessly.
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Personal anecdotes, puzzles, cute pics/clips - everything welcome
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Please do not spam at the top level. If you have a lot to post each day, try and post them all together in one top level comment
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Try keep things light. If you are bringing in deep stuff, try not to go overboard.
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Things that are clearly on-topic for this board should be posted as a separate post and not here (except if you are new and still getting the feel of this place)
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If you find people violating these rules, deport them rather than start a argument here.
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Feel free to give feedback as these rules are expected to keep evoloving
In short, imagine this thread to be a local community hall where we all gather and chat daily. Please be respectful to others in the same way
How does the debt come to your after they pass away? I would focus on that. Whatever loop holes there are that allows this kind of debt inheritence, you should target it and try and close them.
Alternatives - do your parents depend on you? Sit them down and tell them that it is NOT acceptable to saddle you with all this debt that you didnt ask for. Make it clear that solving this finacial crisis is far more important than whatever they think and feel.
Does this mean bankruptcy? Letting the repo man come and take away everything? Defaulting? Its FINE. None of these matter in the long run but getting saddled with this debt will matter.
First, make it clear this is your priority and there is NO negotiating there. Talk to a lawyer first and foremost.
Second, make it clear that you will do everything you can to make this happen.
Third, Start disposing any of the property that belongs to you jointly, to start taking care of the debt. This is more to show you are serious.
If they are dependant on you, tell them good bye so long take care and move on to build your own life.
You cannot have your cake and eat it too. You cannot keep enabling these people AND want to do have a free life.
Some one said that their parents took 50K debt, and it was going to pass on to him when they die, and he didn't know what to do and was asking for advice.