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I see some folk who recognized their education did not prepare them to earn financial benefits that were sufficent to live on as a result of councilor guidance and cannot afford to seek legal deferrment. So they are hounded for their outstanding debt. Lower payment schedules is simply inslave-ment. So they dodge payments as much as possible. I worked in electronics for many years and was not dealt with fairly. It was life threatening to try to collect on the company. So I opted to destroy the company with the very people sent to kill me and ran away so they could fight it out without my further involvement. Both sides lost and I was left on my own...bruised but not killed and discredited.