[ Hopefully everyone (Camera, is “everyone” the right word?) will forgive me for digressing to the OP’s topic (OP can also mean Over Protective, and Odd Person) ]
You know, this writing off of unpaid debts sounds like a great idea. Everyone that agrees with it please loan me a $1000. You can use FoolPal to send your “loan” in care of I_found_another_chump.com