<prompt> Human: Hi Everyone! This is my first ever post so I apologize in advance for any errors I may make.So a couple of years ago one of my roommates bought a 1,500 gaming laptop using the Asus financing plan I think through Amazon. He began making payments towards the debt but his payments were never large enough to cover much more than the interest. Fast forward to about April of this year and now he has decided that he no longer is going to make payments and just hope it goes away. As of April he owed at least 1,500 still possibly more. I continue to tell him that this is a really bad idea and that he is destroying his credit and that this will never simply go away. Its gotten to the point where he pretty much refuses to talk about it. Based on the research Ive done, it looks like he probably has about a 26 APR that started 12 months after the initial purchase. As far as I know nothing has happened and no one has contacted him since he stopped paying.Basically Im hoping that someone here can provide some sound advice that I can relay to him since he no longer has faith in my ideas. Aside from the fact that he needs to simply pay it off does anyone have any payment plan recommendations or resources he may be able to utilize?Update: Aside from advice, is there anyone who has had experience with situations similar to this and can talk about what happened when you simply stopped paying? How long does it take for the company to escalate the situation to a collection agency or until other consequences start to appear?  <response>: Not your debt, not your problem. My recommendation: mind your own finances. 