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I like the design of those cages. I'm wondering if you could get the bulbs even closer with more ventilation. I could see getting a few panes of glass, and cutting out panes that would assemble into an 8-sided diamond shaped lantern of sorts. That way, you could drill some holes for...

There are a few companies which specialize in defending their clients against wage garnishment to pay credit related debts. In your case, it might cost you less than $1000 to settle the debt if it's owed to only one lender. Check out your local bankruptcy attorneys and see what they can help...