<prompt> Human: Many probably wont ethically agree with this Ive made my peace, but those who do please help me out. My situation is that I have incurred a decent amount of debt private student loans and credit cards. I have earned this debt by being a single father of three children and deciding to go back to school to better provide for my family. Being the sort of person who has always gone out of my way to help people less fortunate than myself, I find myself appalled at the fact large banks can invest with little to no risk. I know I am only one person but I feel it is my duty as a human to try and right this injustice by at least having them write my debt off. Im not paying it, investments are risky you win some you lose some.I have recently had a sheriffs deputy serve my a document stating that I need to contact them within 30 days or I basically acknowledge that I owe the debt and they will proceed with having a judgement placed against me. How do I tie this up for as long as possible? This is only the first of a long line of creditors at which point do I claim bankruptcy if this judgement goes through will the others follow suit and start to sick their lawyers on me?Thanks in advance.  <response>: Not really sure how this applies to rpersonalfinance since you are more worried about dicking over others and not about cleaning up your financial situation. 