I hereby offer my most sincere apologies for my impertinence in not responding to your kind letter in a timely fashion. I only recently learned of your predicament. Words simply fail to encapsulate my deepsorrow. 'Tis why I've decided, if I may be so bold, to offer myhumble opinions on this matter, which I hope could serve you well. It'd be wise tocome clean with your family about everything. Seek help from them, plan ahead with them, and together work your way out of the debts. Debt evasion may bring you a brief moment of relief, but it won't grant you lasting peace. Escaping from your liabilities will only cost you dearly once they catch up with you, and believe me, they will. You can't be on the run forever, and you will have to pay the price one way or another.
