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#11
While in the Navy I had to deal with this problem a number of times; young and even seasoned sailors would get into debt with no way out. These were usually the ones who would get married right out of boot camp or college NROTC, then go on a spending spree to buy furniture, a car, and whatever else they thought they needed to get along. Next thing that happens is they find out they really don't make enough to afford all the stuff they bought along with having to fork out the usual living expensives.
Then the collection agencies come into play, they would send to me a letter outlining the problems an individual was having along with the amount of debt. The Navy's policy was you paid your bills, so the individuals would have to make out an allotment to the collection agency that was determined to be fair.
If you get into trouble you need to find help, and pay for what you bought.