You might want to think about changing your forum name so that you can't be easily identified.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
My first proposal was rejected but happily my second one was approved. When you're rejected it feels like you're the only person in the world it's ever happened to! Try to stay positive, you'll proabably be fine