I would recommend that you stay away from the "young and stupid" line regarding why you got into unmanageable debt and subsequently filed for bankruptcy. 

You're still young, and what have you done to rid yourself of being stupid?

Just tell them that you were in college and covered your expenses with credit cards and that it probably wasn't the wisest decision, but you've definitely learned from the experience. 

[quote=pratoman]

That was good Hull, I'll admit it.

Still, you are a d.....never mind.

To the original poster, good luck

[/quote]

I respect  your honesty and you're right...I AM a delight.

[quote=Bobby Hull][quote=pratoman]

That was good Hull, I'll admit it.

Still, you are a d.....never mind.

To the original poster, good luck

[/quote]

I respect  your honesty and you're right...I AM a delight.

[/quote]

OK, you are a little funny too.

I still....never mind.