sitting in the room attached to a garage where I live, $33 in my bank account, deleting the 3247th voicemail from a debt collector, the sting of the thin carpet grating the soles of my feet, shedding a single tear for the Californian McDonald's franchise owner
Also doesn't work if they jump straight to a lawsuit and garnish your bank account and wages because the shit-ass red state (and/or Delaware) in which you live has absolutely no debtor protections.