 Because we don't know how to do it, and we're all really frustrated. So that's probably where some of this is coming from. But to answer your question, no, you do not owe the money. Yes, you should be gone by the end of the month, at the end of next month for sure. And you may need a new job by that time too. And you may need a new state to live in by that time too. You need to live in an affordable area, make a pile of money, and clean up the mess.