How's your case? Haven't settle? Remember, if need to declare bankrupt, take as many loans as possible and use the address in your IC as possible. If can get 100-200K loans, enough to runroad liaoz.
Just saw this one. Just max out everything you can. Trust me, the ah long, banks, lml all lan lan if they know who is wendy. My view is just flip table (hian tok) since only thing wendy can lose is a van.