I stole all your money.
Now you owe over $150,000
I suggest you resort to ROUGHS3X's NX Guide so you can at least catch up to 50,000 in less than 1 year.
From there, you can ask the bank to borrow money so you can pay them back
resulting in a win/lose situation.
Until then, you should know one thing.
You haven't done anything wrong....
Yet you are on MPGH.
Ask yourself that.