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The orginal plan was to use the money for a deposit on a car, and once the car was paid off, I would then have the car as an asset, which I could use as security on a loan, which I could use to pay off the card.

All was going to plan, but the car got written off due to the engine totally breaking down after a month, so I then had to get another deposit on a second car.

Some people even have suggested I might be up for serious legal problems, and I just feel so stressed out every single day about the situation.

I think you should do the right thing and come clean — and I think that if you don’t, the guilt alone is likely to cause problems — but the right thing does come with a price, and while it’s easy to say from the sidelines that you should be willing to pay that price, you’ve got to make that choice for yourself.

Does anyone else have advice for this letter-writer, something that might help him clear this up faster?

This just means I get charged Pay Pal fees for the cash advance, and it means nothing more is due until the next billing cycle.

This results in the next month having that balance plus charges, minus any and all money I can put toward it out of my pay (generally ,000 a month).

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