Too late. Those debts are already there, and there is nothing to stop them from piling up new debts in the years ahead. Whether or not uncle sam sends money to

Too late. Those debts are already there, and there is nothing to stop them from piling up new debts in the years ahead. Whether or not uncle sam sends money to debt collectors doesn't change the root problem (the sickening financial position many people find themselves in to start with).