"A peaceful conscious" what? Waiting for a noun there.
Yes, bank robbery might be a thrilling way to pass the time, except that criminal charges apply .... which do not in this democratic republic apply to consumer debt. What *does* apply to consumer debt collection is a set of federal laws which prohibit the kind of insults, abuse, and false legal threats already reported to this very short thread. How are you sleeping at night knowing that more people realize they can make you pay in court for denying their rights?