<prompt> Human: So my little sister 17 told me yesterday that she signed up for a fashion subscription where they send her a package full of clothes and if she likes them then she keeps them, and is charged a week later for them, and if not she just puts them back in the box and returns them and is never charged. She received her first box and didnt like anything, put everything back in the box and then forgot about it and never mailed it back. A week later the company tries to charge her card for 92 and she only had 42 cents in her checking account so the card rejected the charge and theyve been emailing her every day to update her payment information. She hasnt and says shes just going to stop using her debit card so she doesnt have to pay them and open a new one at a different bank. I tried to tell her it doesnt just go away and that she should just pay it but Im only 18 and I have to admit I have no idea how they would continue to come after her or what theyll do if she doesnt pay. Will this end up on her credit report? Or will it just go away if she ignores it? Assistant: Tell her she made an agreement to pay and she should pay as soon as she can. Consider this her first lesson in adulting. Its called personal responsibility. Human: Thats exactly what I told her. I told her that she cant just sign up for stuff then act like it doesnt mater once its time to pay and she said she doesnt want to pay a hundred dollars for clothes she doesnt want... she is a very irresponsible and irrational teenager lol.  <response>: Be careful when she gets older. Some people grow out of it, others dont. You should never enable her in any way. If things get better, thats great. If not, she will likely end up asking you for money at some point in the future, as many people who are irresponsible with money do. Not that I want to claim this will happen, but it does on a regular basis. Some people just arent good with money and if she ultimately turns out to be one of those people, be wary. Any money you might give her will never come back to you, and she would be none the wiser 