Ok let's look at navigating the English language as a first priority:
"What I have not got" should be changed to "What I have not".
"depts" = "debt"
I have no idea what "arrears" means....
"Bankruptey" sounds like it would be a cool cartoon to release the stresses of an accountant while at work.
And the "lol" probably shouldn't seem like part of the story.
Somehow, it does.
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