text:  And by then, they're not going to get around to doing anything if you just quit paying them. But cut up the credit cards and stop using them, because continuing to use them with a plan to not pay them and die in debt would be stealing. So you can't do that with integrity. But you could just stop paying them. They shouldn't have loaned an 86-year-old broke person money. So that's what they get. You could just default on it. And, you know, she dies with it.