No. of Recommendations: 0
Had I known of his problem, and known what I know now, I would have told him, "Just don't pay it."

But -- and this is pretty key -- he didn't want to "sic the dogs" on the girl and he felt that if he refused to pay, they'd go after her.</i.

Just don't pay is not great advice. AMEX would sue. Where he has assets and income, creditors are not going to give up easily. Depending on the state, it isn't just his credit rating at risk.

It would create a mess that would follow him for the rest of his life. Debt just quietly go away. It is sold and resold, until and past the statue of limitations. Multiple creditors can be claiming that they own the debt. Illegal redating does occur. Hopefully, during this mess and for 7 years afterwards, he would not need to change employment.

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