ITS THE LAWYERS!
Its always the greed fucking scum sucking lawyers. I was pre-law and all people talked about was how much money they would make one day suing people.
People succumb because the alternative is more expensive. Its the lesser of two cost factors. Either way you are fucked.
The best thing you can do is keep your assets tucked in distant places, tell them to GFY, let them sue you, take the default, they won't collect, they'll sell the paper for .10 cents on the dollar, judgment collections call, tell them to GFY too, and live happily ever after....
