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  1. #1
    Scammer John Sepulveda (Jasep)
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    2.5 years later, I am back to attempt amends and to pay down debts.

    Hello everyone,

    Most of the users here probably know me, or have heard of me in a way that I am absolutely not proud of, but none-the-less take responsibility for. My name is Jasep. I was once an active, respected member of this community and ultimately I took advantage of that to help support an addiction that I have spent the better part of 9 years struggling with and mostly losing to.

    I am here, about 2 and a half years since my last visit because I am still bothered by my actions and have finally worked my way to a place in life where I can begin chipping away at my debts and make some sort of amends to the people that I have wronged. Namely 22Q, the people who participated in project sep and the people I had online business interactions with. What I did was shameful and before I continue, I want everyone to know that I regret my actions and I sincerely apologize for them.

    I will do my best to give everyone an idea of where I have been and where I hope to go from here and hopefully I can resolve my debts with this community and we can all move on. It will not be a short process but I am committed to it and hope that what I propose is acceptable as it is the only option I currently have.
    First let me give some in site in to my life before, during and after my last time here.

    Going back to around 2006 I started gambling heavily, I didn't immediately recognize it as an addiction and because at the time I had what I thought were above average skills at poker I managed to not drag anyone else in to my addiction in the beginning but really poker was a huge gateway to a much more destructive life than I thought possible for myself and around 2008 it began to go downhill.

    I idolized poker players and that lifestyle and really longed to achieve it and one way or another through the countless hours spent in casinos and talking about poker and playing etc... I managed to begin justifying bad life decisions to myself by delusionally assuming that I was moments away from stardom or a windfall or whatever. I would fantasize about what I was going to do with all the money I was about to make while I was on my way to the casino. I would get out of debt, I would buy something nice for someone, I would do any number of things that I fantasized about. Inevitably, on the ride home, broke, I would justify my losses as variance or a bad run or whatever and at some point those trips and those fantasies became the only thing that mattered in my life, above my family, above my bills, above anything that was important. It wasn't that I wanted it to be that way, but whatever failure that occurred in my mind convinced me that it had to be that way.

    I survived with this addiction like a devil on my shoulder for longer than I should have honestly. I became a member of this community at a time when I still didn't fully grasp that I was an addicted gambler, I still thought I was a future poker star. I started hosting radio shows and doing comedy and commentary and building a small loyal following as what I envisioned to be my fan base that would spring board me to the next level but again that was all fantasy. Reality was I was still terribly hooked on gambling, poker was just one element of what I was doing, casino games, sports betting, slot machines, whatever I could do to get my fix I was doing, and I was doing it at a pace that was unsupportable. I also became good at hiding it. I made some horrendous life choices and it all crumbled around me, deservedly so.

    I had no source of income when I stepped out of the online poker life and really had no direction. I was with a woman at the time, but that eventually ended. My family and friends were contacted and experienced fallout from my actions, my employability was pretty much at zero because of my actions and I contemplated every possible scenario to just end what I was doing to myself and to the people that I loved. I opted to go to a gamblers anonymous meeting, I eventually went to that same meeting pretty faithfully, but it didn't really stick, it wasn't something I was able to align myself with, but it did help me get some valuable resources that would help. Through GA I enrolled in a program that was state sponsored in CT called Bettor Choice, a gambling addiction therapy program that gave me one on one and group therapy as well as psychiatric treatment and medication management. I stuck with this program for a long time, for as long as I was able to under a state grant and still to this day take low doses of medications that were prescribed to me. I will not get in to the details of the treatment since they are not important but the program itself helped me recognize that I had a sickness and I needed to treat it, just like an alcoholic or a drug addict... In my opinion worse because the outward signs of a gambling addict arent as easy to recognize as the other two.

    Through this program I was able to get state aid for health insurance and food stamps as well as qualify for food bank assistance and YMCA membership at no charge and that is how I survived while looking for a job. At first I was a bit delusional in what type of job I could get. I applied for everything that I thought would pay me enough money to get myself out of the whole, but those places at the bare minimum google your name and the results aren't great on that front.

    I had a background in the restaurant business and I knew that most food service places don't really care who they hired as long as the person was competent and could get the job done. Eventually I was able to find a job making 10.00 an hour prepping a kitchen on a seasonal basis and I took it. I stuck with that job and worked hard at it and eventually was given small raises, 11.00, 12.00, what have you. Still not any money that I would consider good but I made it work, I walked there or caught rides and kept to myself. The money I made at that level was survival money and not much more. Being that it was seasonal it came to an end and I was unemployed again but quickly found work as a kitchen hand making 9-10 an hour to get me through the fall and winter. I actually still maintain that opposite seasonal job and now make 12.50 an hour there for some of the winter months.

    I was promoted at my seasonal job to a salary a year ago, but it still averaged out to about 14.00 an hour and I began the process of putting together some type of life. I saved up 600.00 and bought a saab from helping hands of america, I got a small 2 room studio etc. I managed to live, never working with a surplus of money but still getting by.

    Through this I knew that if I continued to work hard enough I would hit a point where I was making a surplus and I could begin paying down some of my debt.

    I had some struggles along the way. I had relationships that ended, legal/probationary issues, I lost all relationships with family and close friends that really hurt me and I am sure hurt them as much. I had people tell me on our first interaction that they googled me and the results they found. I had a buy-here pay-here car salesman ask me to explain what poker fraud alert was, I had a coworker who happened to be a 2 plus 2er confront me, I even had someone track me down and request I go on their podcast. Countless phone calls, messages, threats, etc... All things that I brought upon myself and recognize as my own doing, just as my actions have caused troubles for others, it isn't something I am proud of but something I want to take responsibility for. I have also had my struggles with relapsing. I have gambled in the last 2 and a half years, luckily, it has never been something that I let grip me to tight again and it has been something that I have been able to overcome by talking to friends and support from various programs and getting back on track. Today I haven't gambled, yesterday and days before that I didn't, I don't want to gamble ever again, the damage isn't worth it but I would be foolish to think I was anything other than powerless to whatever lives inside of me and just try with everything I've got not to go back to that life.

    Last year I made 26k, I have my w2 to prove it if that would be required, this year I have been promoted at my seasonal job once again and thanks to the help of a program called ynab I have gotten myself finally in to a position where I can function month to month on a surplus instead of a deficit. I will gross about 36k for the next 12 months beginning in May. I have a woman in my life that I love and I always function better with someone with me than on my own and while I do not make a ton of money it has been long enough and I have worked hard enough to start making things right here.

    Let me first say that I don't want to become a member of this community again, that stage of my life is over, I haven't sat at a poker table, followed poker or visited a poker forum since I was last here, that’s not what this is about. This is about doing my best to make things right with people I harmed and about not being defined by the actions of my past but how I address those actions now.

    Also, let me say that at least one member of this community knows where I work, my girlfriends name, etc and has contacted me with threats and while that person may have accelerated this process it is not only because of that person, who I have no idea the identity of, that I am here. I would be here at some point this season regardless. If someone should go ahead and take actions that result in my employer deciding that I am not worth the headache and I lose my job, or actions that cause my girlfriend to no longer share a life with me and change my living situation those actions will not change the fact that I owe the people that I owe and still intend on paying them, however, they will force me to start back at square one again and drag this out even further. So while I understand that it is something that I probably would deserve the end result will be me being even further away from the end game of making everyone whole and it would take even longer to get back to where I am today. I would request that as long as I am fulfilling my responsibilities that my work, loved ones and friends be left completely alone. If at some point I don't fulfill them without a reasonable explanation than I would understand. Any money that I pay back isn't "hush money", my story and the things that I have done are still very accessible to anyone with any sort of curiosity and the ability to do a simple internet search. I would just like minimal interference in tackling my debts from people who think that the proper route to go is to attempt to force me to lose anything I have been able to put together to this point.

    The money that I make compared to what I owe is very minimal but it is money that I work hard for and earn and at this point in my life it is the best I have, if I should work in to a better employment situation or some type of unexpected financial change comes than I will update everyone and adjust accordingly. As of right now after looking at my inflow and outflow I can afford to pay back $400.00 a month to what would be under the umbrella of "Online Poker Community/PFA" I don't know exactly who and how much I owe to people by name, but I have held on to a spreadsheet since the events that give me a general understanding. Immediately after everything that happened I was depressed, medicated and not in a good place so I was not entirely diligent in my record keeping but I know that I owe the total of that umbrella around 12k. I owe a total of 27k to other outlets as part of debts that I can directly contribute to my gambling addiction, these include personal loans, back child support, money that I straight up lied to acquire etc. I will/have address(ed) those debts with those parties. They also need to be paid down on and that is something I will handle separately.

    What would be ideal is if one representative would be the person I pay the money to and that person can distribute it however the people effected deem proper, All of the debts here are approx. the same age and of varying amounts so if it is something where smallest gets paid first or everyone gets paid equally or it is weighted some how, that is something that I don't have an answer for. If interest were to be tacked on I wouldn't object to that at all. I understand that the amount I am proposing suggests about a 2.5-3 year window to getting everyone paid back, and if I can do it quicker I would love to, but I honestly cannot get myself in a situation where I am completely desperate and suffocating and begin making poor decisions again. I can only tackle this with what is available to me. I don't live lavishly or have huge life expenses, I live pretty meager, and after survival this is what I can afford to pay, I won't be taking any trips or buying any new cars or anything. I will be living day to day and paying down on what is owed. If Todd is available and not much has changed in his life I would like him to be an intermediary for this. I could pay him directly through any type of escrow service, PayPal, whatever, I am not sure what options exist, as long as I can fund it through standard methods that should be fine. In turn I will give Todd my personal phone number, my work number and the name of my supervisor as kind of a sign of good faith to show you guys that I am committed to making this right, I would just ask that all of that information be kept private through all of this unless at some point in the future I give a reason why it should not be kept private. If dealing with it in a different way is preferred I would understand, it is an overwhelming thing and a lot to ask from you guys so I am open to suggestion if this method isn't acceptable.

    I can begin making the payment on the second Wednesday in May and continue on the second Wednesday of each month thereafter. That matches up with my pay schedule and my RTW date for when my salary is in effect. For today, I have 250.00 that I can pay immediately for the month of April to get the process started, I can pay that at any point from right now forward as soon as it is decided where it is going and how. Unfortunately April is a month where I make considerably less because I have yet to transition from one job to the other and once I do begin to make that transition there is a 3 week period where I do not have any income.
    Also in the interest of transparency, October is generally a low income month for me, just seasonal transitioning again so when October comes there is some chance that the payment will have to be postponed/altered.
    There is a lot more that I want to say and specific people that I want to address (Kevin, Brandon, Mark, Tim, John, Joe, etc... I am truly sorry) but I think I have written enough for this post. I will not be checking in constantly, mostly due to internet access availability and work schedule but I will be checking in regularly until we can get the logistics figured out and payments are being made. At that point I will probably not check in at all or rarely if it is needed. I will give my email and contact info to Todd, or whoever everyone wants to take this on and communicate with that person. I work a lot and don't always have computer access and no longer spend large chunks of my life on forums. This thread isn't an AMA and I won't be responding to random questions that don't directly have to do with the repayment of the debt.

    I also want everyone to know that I am not attempting to get sympathy or pitch a sad story or anything else like that. What I did was terrible, there is no justification for it. My actions are done and now I can just move forward and attempt to make it up. I know most people will assume a leopard can't change his spots but I have to believe it is possible for people to change and I hope that I have been doing that for the better.

    Once again, I apologize to those I have wronged and I hope that I can make it up to you, the way everyone feels about me or how I am viewed is something that I may never be able to correct, but I want to do what I can do to make amends to those I hurt and this is the best solution I have.

    PS: I have to leave for work soon, I have been here for about 3 hours waiting for the ability to post. I hope I am correct in saying that the money being in Todd's account from me is a stronger gesture than just words and I wanted to get it sent before I leave for work.have sent him the $250, and if it changes logistically that is fine, I would just like to get it in the hands of someone who can help with it. I am working until Midnight tonight, I will check back in and hopefully this hasn't gotten to a point of being unmanageable.

     
    Comments
      
      NaturalBornHustler: did not read, don't care.
      
      Sloppy Joe: LOL
      
      BeerAndPoker: Neg rep to bring this to zero. Now at 7
      
      simpdog: you owe me 1k
      
      jsearles22: I have more integrity than you
      
      Muck Ficon: You are a pile of shit. No one believes you.
      
      anonamoose: tl;dr
      
      Pooh: your name is juan, n-word
      
      Bootsy Collins: You sir are a twat
      
      Wiganer: Just another scumbag
      
      lewfather: JASEP HOW COLD U
      
      4BET: Good to see your back, You busted pig, Lowlife, That's one ugly bitch you found on POF
      
      rickastley: choke on a nigga penis
      
      Beebs9Dizzle: So many LOLz - lots o' lies!

  2. #2
    Owner Dan Druff's Avatar
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    I was initially skeptical that it might be a dupe (though several things about the account seemed real), and he sent me a brief video to prove it was really him.

    I am hoping that he continues to send more money beyond the $250, which is a pittance compared to the amount stolen. Sadly, in situations like these, it is common for a scammer to make amends with a token first gesture in order to buy some kind of time, followed by disappearing again forever. Hopefully that isn't the case here.

  3. #3
    Scammer John Sepulveda (Jasep)
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    Quote Originally Posted by Dan Druff View Post
    I was initially skeptical that it might be a dupe (though several things about the account seemed real), and he sent me a brief video to prove it was really him.

    I am hoping that he continues to send more money beyond the $250, which is a pittance compared to the amount stolen. Sadly, in situations like these, it is common for a scammer to make amends with a token first gesture in order to buy some kind of time, followed by disappearing again forever. Hopefully that isn't the case here.
    I understand. The best I can do is keep sending money every month and at some point this community will realize I don't fall in to that category. If I had more to send I would send it, I will PM you my cell phone and my work contact information and hopefully that represents some sort of good faith.

     
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      simpdog: whoops meant to red rep
      
      Muck Ficon: Good faith? LOL. PM info we already have? Yeah...thanks for that.
      
      4BET: Does her ass stink ?

  4. #4
    Platinum Muck Ficon's Avatar
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    Quote Originally Posted by JAS View Post
    Quote Originally Posted by Dan Druff View Post
    I was initially skeptical that it might be a dupe (though several things about the account seemed real), and he sent me a brief video to prove it was really him.

    I am hoping that he continues to send more money beyond the $250, which is a pittance compared to the amount stolen. Sadly, in situations like these, it is common for a scammer to make amends with a token first gesture in order to buy some kind of time, followed by disappearing again forever. Hopefully that isn't the case here.
    I understand. The best I can do is keep sending money every month and at some point this community will realize I don't fall in to that category. If I had more to send I would send it, I will PM you my cell phone and my work contact information and hopefully that represents some sort of good faith.
    Lol....so as an act of "good faith"...you are going to send us info we already have?

     
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      Baron Von Strucker: :noose
    Quote Originally Posted by Baron Von Strucker View Post
    Quote Originally Posted by kmksmkn View Post
    Does anybody know if u can get a work visa for playing online poker in the UK
    I have had Issues with credit cards in Europe
    Quote Originally Posted by Tyde View Post
    you're more consumed with accumulating wealth than achieving spiritual enlightenment
    Quote Originally Posted by tgull View Post
    Getting a little surf and turf tonight. In my world that is Sea Bass with a nice lobster tail on the side. And grilled asparagus. It's nice having money.

  5. #5
    Owner Dan Druff's Avatar
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    I also have to say that this paragraph concerns me:

    Also, let me say that at least one member of this community knows where I work, my girlfriends name, etc and has contacted me with threats and while that person may have accelerated this process it is not only because of that person, who I have no idea the identity of, that I am here. I would be here at some point this season regardless. If someone should go ahead and take actions that result in my employer deciding that I am not worth the headache and I lose my job, or actions that cause my girlfriend to no longer share a life with me and change my living situation those actions will not change the fact that I owe the people that I owe and still intend on paying them, however, they will force me to start back at square one again and drag this out even further. So while I understand that it is something that I probably would deserve the end result will be me being even further away from the end game of making everyone whole and it would take even longer to get back to where I am today. I would request that as long as I am fulfilling my responsibilities that my work, loved ones and friends be left completely alone. If at some point I don't fulfill them without a reasonable explanation than I would understand. Any money that I pay back isn't "hush money", my story and the things that I have done are still very accessible to anyone with any sort of curiosity and the ability to do a simple internet search. I would just like minimal interference in tackling my debts from people who think that the proper route to go is to attempt to force me to lose anything I have been able to put together to this point.
    So this makes me concerned that the $250 isn't so much "hush money" is it is "stall money". By Jasep's own admission, much of the reason he is here is because he was found and threatened by one of the victims, rather than a sudden desire to make things right. (He claims the latter is also a factor, but I'm not sure I believe that.)

    The question here, and one that can't be easily answered, is whether Jasep simply wants to hold off the dogs until May (and finds it worth $250 to do so), or if these payments are going to become a regular thing.

    Jasep, I hope you understand that you're going to make everyone even angrier if you claim that monthly payments are forthcoming, and then once again disappear after the first one.

  6. #6
    Owner Dan Druff's Avatar
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    Also, please do not send anything to 22Q at this point. Please send all owed money to me, which will be given back to the users of this site and the former VPR.

    If the users here wish to donate that money to charity after the fact, it will be up to them, but the bottom line is that the users here were the ones stolen from, not 22Q, as they hadn't received the money yet.

  7. #7
    Scammer John Sepulveda (Jasep)
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    Quote Originally Posted by Dan Druff View Post
    Also, please do not send anything to 22Q at this point. Please send all owed money to me, which will be given back to the users of this site and the former VPR.

    If the users here wish to donate that money to charity after the fact, it will be up to them, but the bottom line is that the users here were the ones stolen from, not 22Q, as they hadn't received the money yet.
    That is fine with me, and to your point on stall money, I guess the only way I can show that I am sincere is by sending the payments. Getting to May doesn't benefit me. May isn't something that has an advantage for me, it is just when I can pay again.

    I am not disputing that I am here partly because someone contacted me, but this is my reaction to that coupled with my desire to make things right. I'd like to do the right thing here, thats why I came.

     
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      Muck Ficon: Fuck you. Only reason you came here is because someone contacted you. You have no remorse for what you did.
      
      4BET: I talked to tim

  8. #8
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    Just keep sending money and shut the fuck up because no one here gives a shit about what you have to say.

     
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      1marley1: :fucking this

  9. #9
    Scammer John Sepulveda (Jasep)
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    I have to head out now, I wish I was able to stay for the time I planned on staying (from 1:00pm EST) but unfortunately getting my account approved took longer than expected so my interaction at the moment is limited.

  10. #10
    Diamond Sloppy Joe's Avatar
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    Also, let me say that at least one member of this community knows where I work, my girlfriends name, etc and has contacted me with threats and while that person may have accelerated this process it is not only because of that person, who I have no idea the identity of, that I am here. I would be here at some point this season regardless. If someone should go ahead and take actions that result in my employer deciding that I am not worth the headache and I lose my job, or actions that cause my girlfriend to no longer share a life with me and change my living situation those actions will not change the fact that I owe the people that I owe and still intend on paying them, however, they will force me to start back at square one again and drag this out even further. So while I understand that it is something that I probably would deserve the end result will be me being even further away from the end game of making everyone whole and it would take even longer to get back to where I am today. I would request that as long as I am fulfilling my responsibilities that my work, loved ones and friends be left completely alone. If at some point I don't fulfill them without a reasonable explanation than I would understand. Any money that I pay back isn't "hush money", my story and the things that I have done are still very accessible to anyone with any sort of curiosity and the ability to do a simple internet search. I would just like minimal interference in tackling my debts from people who think that the proper route to go is to attempt to force me to lose anything I have been able to put together to this point.
    So, in other words, you're spooked because we found you and your job / (ahem) 'girl' friend are oblivious to your history as a low-bottom scum bag.

    We have the power to put them 'in the know' which would put you under a bridge, yes?

    You rolled a charity and a ton of members here. You were stupid enough to rejoin social media. Why should we be so gracious?

    Also, is the juice still running on that $2k loan to your ex-girlfriend?


     
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      yaahello: yup

  11. #11
    Plutonium sonatine's Avatar
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    its a terrible thing to dig ones way out from a gambling addiction. i legitimately hope jasep guts it through and gets there. not just for the victims of his illness but for himself.
    "Birds born in a cage think flying is an illness." - Alejandro Jodorowsky

    "America is not so much a nightmare as a non-dream. The American non-dream is precisely a move to wipe the dream out of existence. The dream is a spontaneous happening and therefore dangerous to a control system set up by the non-dreamers." -- William S. Burroughs

  12. #12
    100% Organic MumblesBadly's Avatar
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    Has Jasep made any more payments? It's been 2 months since the last post?

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    Gold handicapme's Avatar
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    Quote Originally Posted by MumblesBadly View Post
    Has Jasep made any more payments? It's been 2 months since the last post?
    who are you exactly...

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    Quote Originally Posted by MumblesBadly View Post
    Has Jasep made any more payments? It's been 2 months since the last post?
    He's been paying on time every 2 weeks. It's all here in this thread. Try reading it?

  15. #15
    Rest In Peace, Godfather delaware's Avatar
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    ont worry druff this jasep atter will go away. i know you feel bad letting this happen on your site. when you had enought information to stop it cold,liveing guilt free iam sure is not easy. but at least you never left a girl at the airport.and i know someday i might figure out out what makes drexal god. but i doubt that will happen anytime soon.just live with the fact that you were the one who got scamed and it never cost you a dime. your job was to stop this from happening

  16. #16
    Owner Dan Druff's Avatar
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    Bump.

    Payments started again.

    Received $200 on 12/11

  17. #17
    Trapqueen joseythepussycat's Avatar
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    Quote Originally Posted by Dan Druff View Post
    I also have to say that this paragraph concerns me:

    Also, let me say that at least one member of this community knows where I work, my girlfriends name, etc and has contacted me with threats and while that person may have accelerated this process it is not only because of that person, who I have no idea the identity of, that I am here. I would be here at some point this season regardless. If someone should go ahead and take actions that result in my employer deciding that I am not worth the headache and I lose my job, or actions that cause my girlfriend to no longer share a life with me and change my living situation those actions will not change the fact that I owe the people that I owe and still intend on paying them, however, they will force me to start back at square one again and drag this out even further. So while I understand that it is something that I probably would deserve the end result will be me being even further away from the end game of making everyone whole and it would take even longer to get back to where I am today. I would request that as long as I am fulfilling my responsibilities that my work, loved ones and friends be left completely alone. If at some point I don't fulfill them without a reasonable explanation than I would understand. Any money that I pay back isn't "hush money", my story and the things that I have done are still very accessible to anyone with any sort of curiosity and the ability to do a simple internet search. I would just like minimal interference in tackling my debts from people who think that the proper route to go is to attempt to force me to lose anything I have been able to put together to this point.
    So this makes me concerned that the $250 isn't so much "hush money" is it is "stall money". By Jasep's own admission, much of the reason he is here is because he was found and threatened by one of the victims, rather than a sudden desire to make things right. (He claims the latter is also a factor, but I'm not sure I believe that.)

    The question here, and one that can't be easily answered, is whether Jasep simply wants to hold off the dogs until May (and finds it worth $250 to do so), or if these payments are going to become a regular thing.

    Jasep, I hope you understand that you're going to make everyone even angrier if you claim that monthly payments are forthcoming, and then once again disappear after the first one.

    Jasep it is def badguy who is doing the family and work recon, he is a master of that shit. If it continues, I am willing to give you the number to the toys r us where is current love interest works and you can get her fired. Fight fire with fire he goes after your career go after his lady's 🔥🙌🏿 if they lose their section 8 shit will get real shook up in that trailer park! I'm on your side! 👍🏿

     
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      snowtracks: Thank You Josey for coming back!

  18. #18
    100% Organic MumblesBadly's Avatar
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    Quote Originally Posted by joseythepussycat View Post
    Jasep it is def badguy who is doing the family and work recon, he is a master of that shit. If it continues, I am willing to give you the number to the toys r us where is current love interest works and you can get her fired. Fight fire with fire he goes after your career go after his lady's  if they lose their section 8 shit will get real shook up in that trailer park! I'm on your side! 
    Sounds like Josey is jonesing for badguy bad. Perhaps we should start a fund to buy her something to help her get over not having him.

     

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    _____________________________________________
    Quote Originally Posted by Dan Druff View Post
    I actually hope this [second impeachment] succeeds, because I want Trump put down politically like a sick, 14-year-old dog. ... I don't want him complicating the 2024 primary season. I just want him done.
    Quote Originally Posted by Dan Druff View Post
    Were Republicans cowardly or unethical not to go along with [convicting Trump in the second impeachment Senate trial]? No. The smart move was to reject it.

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    PFA Emeritus Crowe Diddly's Avatar
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    Druff, have you attempted to get in touch with sep lately? If not, would you mind doing so? See if he has anything to say, or if he's even reachable right now. Doesn't need to be anything long or time consuming on your part, just ask him what's going on, and when he intends to resume payments, or something like that.

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