The common theme in this thread is that we all have financial responsibilities that we'd rather not have. Of course we don't want to be in debt.
If any of us were in a position to have an IVA or declare ourselves bankrupt, the fact of the matter is that we're taking responsibility in one way or another and we're not just telling our creditors that we're left the Country and that is what has MrBounty up in arms, along with the couldn't give a monkeys about it, not the debt itself.
MrBounty, you have had your say and we all know how you feel about it, but continuing arguments throughout the site is not going to force anyone to open their mind or accept the responsibility to sort it out. Can we have our nice site back now, please?