its illegal until microsoft or apple do it. lol. I defaulted on everything and here I am! Inflation doing it's job of erasing my personal debt. I got a 12 month interest free freeze and then an interest free refinance deal on everything. I just have to keep up with this payments for 1 more year and I'm debt free and its literally peanuts that get swallowed by inflation too. Next year I will be paying cents to the dollar.

​

Esentially, I owe the same nominal amount of money. Add my pay raise, substract inflation and I made out like a bandit. Fuck you, I got to be the wise guy here.