I am very fortunate to have a father that has made great financial decisions his whole life or I'd be fucked six ways to Sunday. I'd get it paid off in the next day or two, but it'd put a serious strain on us for a few months. I got the account back in the black and in some ways, it actually works out better for me. I now have one less open account on my credit, and I should have the title to my four-wheeler in the next couple of weeks. There is a remote chance that we will get some money back from taxes, so that will go straight to the debt I now owe to my dad. The irony is, I anticipated paying off my four-wheeler this year anyways and was taking the proper steps to do that. I just didn't mean to do it in this manner!!!