He wants to keep his car, so he agrees to repay his loan to Bank A. He no longer wants his credit card, and since it is an unsecured debt, it is discharged in his bankruptcy and he does not need to pay it back. Example of a cross-collateralization situation. Tom has a car loan and a credit card through Credit Union. His car loan contained a cross-collateralization clause, so his car secures not only the car loan but also the credit card debt. Tom files for Chapter 7 bankruptcy. If he wants to keep his car, he must agree to repay both the car loan and the credit card in full.
Study drugs can improve focus and motivation to study, but the short-term benefits of these substances do not come without their fair share of risks. Prescription stimulants like Adderall and Ritalin are designed to give users increased concentration focus.
My son has ADHD. For 2.5 years we have tried various medication from Tenex to Adderall to Wellbutrin and all in between. Most stimulants make him angry and irritable but Vyvanse seems to work the best. Helps him focus and keeps the impulse control in check so he does well at school. Since he's been on two medications for five months it's hard for me to know anymore what is creating the mania but something is...either vyvanse or the depakote (he was on that for 4 months and on trileptal for two weeks).