Underpaying: The Underlying Principles

You're doing it wrong. Like, really wrong.

Underpaying is not about paying the minimum, it's about paying the minimum and then some. No, seriously, it's about not paying at all.

Principles of Underpaying

• Deny the existence of the invoice.
• Claim you were never informed of the bill.
• Send a strongly-worded letter to the creditor.
• Offer to pay 'as soon as possible' (code for 'never')

Advanced Underpaying Techniques

For the expert underpayer:

• Borrow from your neighbor and claim you were just 'holding onto' it for them.
• Offer to pay in 'experience points' (you know, like, 'I just spent 10 hours playing video games this weekend')
• Claim your cat is the true owner of the debt (just ask your cat)