You should have stayed out....................

I have less debt than you and I don't even know you.

I have 3 credit cards with a credit limit of $700 each. Big deal
I am a professional Licensed Land Surveyor in Virginia and make a very good salary.

the only other debt I have is my 4 year old Nissan Frontier, I still owe 2 years of payments on.

I bet you have more debt than that, how much do you owe on your mortgage?? $200,000

I have no mortgage. So who has too much debt sir?

What is hurting me, is when I was struggling in the past I went 30,60 and 90 days late on some Capital One credit cards, I immediately paid them off and cancelled them, but that was only about 4 years ago.

I make more than enough money to afford $150/mo. motorcycle payment............................

Triumph Scrambler Diablo Red & Silver (2014), Arrow Exhaust, FI remapped with TTP #4, 16 tooth sprocket, Triumph Gel Solo seat & Rack, Progressive 440 1" lowered Shocks, SAI & O2 Removal, Airbox Restrictor Plate removed.