I have debt with a government dept since 2009. I have been paying them evwry month but only afford to pay a small amount of money. I couldnt settle my debt till now and my name was blacklisted. This make me impossible to own a house. Im already 45 yrs and my son only 3 yrs old. If I can settle my debt, at least I can own a house and also give good education for my son.