[victortan]

Cannot take cab and go for holiday…
You will lead a miserable life if declaring bankruptcy.
Your wife may run road.
夫妻本是同林鸟，大难临头各自飞。
Think twice before declaring bankruptcy.
Bank will not be your good friend anymore.

Talk to your creditor to settle it internally.
Dont resort to bankruptcy.
If you force me further, I will jump into Bedok Reservoir. 一拍两散。

Not so critical lah... cannot eat food court then eat at home,, healthy and save money.

cannot take taxi then take bus and mrt..

but really cannot pay how??? still got kid and family to support.
then how bo pian,, even creditor squueze him dead also no money to pay..

but i hearsay cpf life they cannot take lah... dont know true or not,, 

can always ask cpf... tomolo i ask and share here.