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No. of Recommendations: 9
Forgive me for being judgemental, but it sounds like you have questionable ethics. Your have an obligation to repay the debt that you incurred, but instead you're asking for a handout. Suck it up and pay what you owe.

If for whatever reason the lender would rather have the cash now than the stream of payments over time, as long as the lender isn't over a barrel or something, what's the problem? If both parties consent, and the borrower doesn't mis-represent his position (i.e. crying hardship where there is none and asking for relief), there's no ethical issue here... All the lender can do is say "no."

Sheesh.

-A
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