It's best you pay your debts while you can than to have the authorities run after you. When they do, the consequences on you record will be awful. Try to go for the road that allows you the cleanest or at least the very least damage on your record.
Credit records, sadly mean everything to a good number and it can very well kill your chances of work or leisure.
Eitherway, you get 'screwed'. So I'd say the first option is better.
I'd have to agree though. It's a tough call.
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