Be proud of your debt it's urz now deal with it... In this episode I'll give you a cheat sheet on how to get debt and never pay it back if you are stupid that way to not be aware that it will ruin your credit record. This advice if for those who are being harassed by collectors on debts that are more than 3yrs old and should be wiped off.  For voice messages send them  through this link : https://anchor.fm/the-lounge-pad/message  Financial Buddy - Expired debt https://www.youtube.com/watch?v=hMa1A0iJav0 Song Credit Sleepy Fish - Lunar Cycles https://chll.to/1dac1437 --- Support this podcast: https://anchor.fm/the-lounge-pad/support