Prob here is Wanting the "easy out"
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I guess they're thoughts are
Let them haunt me to death, I'm not 25.
NOT saying that's right. I personally burnt two mortgages on my 39th Bday and haven't known debt by any form since. All I'm saying is talking sense to them as I've tried and as You are talking now is like reasoning with a 2 yr old. You just pick up that aura from them. When I talk to them it's like saying to a death row guy on his way to the chair "Be careful you don't stub your toe" . It just ain't penatrating
Just remember that there are government agencies that do debt work for free and others who make a bussiness out of it. The free services are just as good and a lot cheaper...
Thanks. I'll be sure to bring that up