I know this is going to sound crazy, but I don’t mind paying a small amount if they come back in a timely manner. They have been so amazing to work with. We owed a huge amount and they negotiated with us to pay it down. So if we have to pay $100 more now and then, I’ll let them spend that time working with people who need it.

Note: If you owe a large amount, don’t ignore it. They will usually work with you if you contact them early to pay it in installments. If you don’t think you can pay ever, tell them. You’ll still owe it, but communicating is better than freezing and ignoring.