I must be getting soft. I actually let someone take money from me tonight.
I have a solution for that...
"No."
If they quote legal reasons...
"This is the United States Of America, the only nation in the world where if you loan money you're screwed. The only people in the USA that has to be paid is the Government. Even then, there's ways around it. I laugh at your bill. I can rebuild my credit in 3 months. The Credit Bureau Reporting system we have is a joke because credit reports don't actually EXIST. There is NOTHING you can do to take my money."
Unless it's the IRS, then just pay them.
If they physically threaten you...
"I once got beaten up so bad I had my face sewn back on. I sent the other four guys ALL to the emergency room. THAT was over a box of Alexander the Grape. This fight is going to be over money. Is this really worth it to you? Because it's TOTALLY worth it to me."