hello pung ! ok thank you for explaining me...this question i did not mean as a provokation rather interested.....i hope i did not make you agressiv......ok in austria if someone cannot pay back the bank debt he can go for a private bankrupcy...that means he has to pay maybe only 10 % of his debt back to the banks in a time of seven years.....maybe this is also possible in thailand because many countrys have this law....so you maybe check itout....and children are never eligitable for the debt of the parents....and yes everybody still can be happy when making a bancrupcy because happiness is different to external circumstances..happiness is inside as circumstances are outside,...if i would be a parent i never would accept that my child is paying my debts.....if your father had a company and this company he can close and send it to bancrupcy very easy...and dont worry is no big deal for a bank...sure they run for their money ( actually is not theirs ) but if the law accepts bancrupcy than they cannot do anything about it....if a person is working like yourself without time off he or she will be soon have a burnout...this is a serious mental/physical/psychological situation where the bdy cannot recover anymore....be carefull