The process is you pay what you owe. As per the covenant you voluntarily and explicitly entered upon. It's one thing to not understand that roads do not magically appear to facilitate your traveling ("not driving"), and that the privilege of using them is concomitant with obligations you have to fulfill. But trying to weasel out of paying your bills is a move made entirely in bad faith.

Probably a symptom of having quit FB for quite a while, but these totally incongruent background images are fantastic

Somehow I suspect not a single person suggested making the payments.

At least he’s only screwing himself and not trying to dodge child support.

15 USC 1692a (4):

The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Oh. Now I completely understand how all this works...

What if all this debt just blew away?

I would also like to just write off some big purchases, how do I do that without needing any money?