It be really nice being so perfect. I guess you never made any mistakes in life or did anything wrong. You must be perfect? I guess that gives you the right to tell others what to do and criticize them for not paying their bills? Sorry dude but you have shill written all over you. Perhaps you should fix your own problems before telling others they should pay their bills.
Ladies and Gentlmen I'd like to introduce to you Itza Skammer, author of Itzall'a Skam, illustrated by I'ma Schrolling and published by Skams and Shyters Inc. Run right down and reserve your copy today at your closest Dewey Cheatum & Howes.
Oh, I think I get it now. I just saw a direct response ad on overnight television for the "Bum Finder". Apparently it helps people who constantly lose things -- like money, keys, jobs, tempers, brain cells, respect -- to conduct cavity searches for their own heads.