Stonewalling Instead Bankruptcy?

Question:
I keeping wondering, what methods, can be I use to stall & stonewall creditors? One that come to mind are sending in partial payments. Are they any consumer laws that require creditors to keep my accounts current and active if I make a payment of 10% of requested monthly payment? Granted I will rack up some major interest fees, but that's life. What other note, I remember reading a book title something like "How not to pay you bills", this author had tips like "forget" to sign you checks, or fill in the amount line ..... Needless to say any links, FAQ comments are welcome.

Answer:
This will not work. There is no requirement that a creditor accept less than they are due.






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