I’m down to my local and can’t pay him. First, I like to state that I have EVERY intention of paying but need some time. Second, I realize that I’m a complete idiot for playing above my means. I’m looking for advice from books on how they’d like me to handle the situation and how they would handle this. This isn’t a joke. I screwed up. I look at it as follows: I can chase, I can run, I can call him and ask for some time. Thanks.