The interests charged are horrible! I bet you were getting 20%++ charged at some point, right?

These creditors of yours are legal loan sharks. Some say they charge even more than ah beng loan sharks and are less ethical and less moral. Just look at their enticing advertisements. At least, illegal loan sharks don't advertise

Someone else said the only good debt in this world, if at all, is mortgage debt. And it's always much better to be a creditor than a debtor. Be a bond holder or a shareholder!