True. There are always consequences. But if you refuse to pay then you learn how to survive all of the threats you mention which is worth the cost. The point is

True. There are always consequences. But if you refuse to pay then you learn how to survive all of the threats you mention which is worth the cost. The point is that the vast majority of debts are legally invalid and unenforceable. They are just a con. Whether you chose to be a mark or not is up to you.