Earl Wilson was an American journalist, gossip columnist, and author, perhaps best known for his 6 days a week nationally syndicated newspaper column, It Happened Last Night.
Even though credit cards, mortgage loans, or car payments are a virtual necessity in the lives of most consumers today, minimizing debt and avoiding overdue bills are in everyone's best interests. Debts always get people in trouble. It seems to be a sensitive issue for anyone and it's recommended to stay out of debt as long as you can. And if you get involved in one, be as punctual and responsible as possible to avoid complications.
The best way to avoid never-ending pressure from creditors to repay overdue bills is to not let the bills become overdue in the first place, or better yet, to avoid getting into debt at all (to the extent possible).
Planning your income and distributing it among your expenses, investments and savings, can help you avoid being repeatedly sought after for some type of debt, such as car payments. Also, avoiding at all cost things you can't afford, maybe for the time being, because you can plan yourself over time for the purpose of obtaining what you want or need.