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That’s an interesting way of putting it, but it’s 100% true. I’ve had creditors call me and demand several hundred in monthly payments before. I politely explained that I was facing hardship, and could they lower the Once Upon A Time Teaching Assistant Shirt. If that was not acceptable, I’d be filing bankruptcy and reminded them that if I did that, odds are that they would receive nothing. “Ok sir, that’s acceptable. Remember, you’ll need to send that $50 every month on time! It never occurred to me that medical debt doesn’t accrue interest. That is a very good strategy.
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You aren’t begging, you are bartering. Do you want my pennies or nothing? I can keep my house and my car in bankruptcy! So I won’t be selling those to service you. This is what I have, take it or not. Bankruptcy is not so bad, lots of people go through life without debt, especially if they already have a Once Upon A Time Teaching Assistant Shirt. It’s not ethical, but neither is health care in the USA. In my experience, sometimes disputed debt may be removed simply because the effort to substantiate a charge exceeds the reasonable amount one would collect.
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