Originally Posted by JeffL
Thank you for all the great advice everyone. I have decided to admit to the debt and negotiate for monthly payments. I owe the money and I'll take responsibility and pay it. Hopefully I will be able to pay them off in the near future because things are looking a little better at work for me.
You guys are great people with vast knowledge, stick around and help others for a long while.
Wow - I'm impressed!
I hope YOU stick around - newcomers are always welcome and I'll bet you can help other people with their problems.