Typically, when you have credit cards with high balances, they are included in your Chapter 7 or 13 filing and the debt is either repaid or written off through a Chapter 7 discharge.
Best Answer : Most of the time a person in an office will generate about 400-500 btu , ,for a person at a walk you need about 600-800 btu and for vigorous exercises your up into the 1500-2000 btu for short periods..Generally speaking its accepted that 600 btu is the output for a person on a load calculation sheet..I know this wasn't the question but ...
BTU on the other hand, is a measure of energy and time is implicit in the unit. 1 BTU is equivalent to approx 1055 Joules. 1 Watt-Second = ~0.00095 BTU. A 1000 Watt heater, running for 1 hour(3600 seconds) would consume 1KiloWatt-Hour(KWH) of energy. Or 3,600,000 Joules.