I'm in a lot of debt myself off a combination of hospital stays, failed business ventures, and impulse buys.

They will be lucky to see the money in my natural lifetime because I have no intention of paying them back until I'm financially well off; me before them.

The hospital won't be seeing their money at all because it's for a psych ward stay; I won't support that hell hole! My standards are more important to me than my credit score.