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.
If you take a loan from me you better be prepared to compensate me for it. Or buy only what you can afford. Mind you, I consider myself a lefty but that's just common sense.
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...
Again with the attempt at casting legal magic spells. AS IF knowing the definition to what a creditor or debt is means you can just use a magic hand wave and file the right piece of paper to make it all go away will just work. These are adults who never passed basic economics or government class in high school.
You can also just write it off. Everyone’s doing it. Use the special coupon, SovCits have done it before. I’ve heard of someone who did it before, just submit it and all your problems go poof.
Alternatively, you can just declare bankruptcy! “It’s nature’s ‘Do Over’.”
Say it. Declare it now on Lemmy, and all your monkey problems go away.