I have seen how people default on loans or credit card payments. Now this is a sort of a loss...a small loss for credit agencies/creditors. Its not that someone does it intentionally, its just that they dont have the resource to pay it off. So why not use this one....if some one owes you say $2000 and arent in a position to pay off that, i think the best way is to provide them with some kind of a small job or project or whatever and value it enough...so that they do it for you and you waive off that amount against what they owe you. This way u get things done at your valuation and atleast you are satisfied that you got your worth back. The guy who works on this also gets that burden off his head.
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