But you will pay dearly if you are 30 days or more late because that is a red flag that you are having trouble paying your bills even if you payoffthe full debt.
Reilly's nephew Matt said he had been in "constant contact" with his uncle and that the donations had been used to payoff his rent and other outstanding bills.
Ms. Huntley, who had represented southeastern Queens, acknowledged in court that for three years she spent the money to bankroll shopping sprees, payoff personal credit-card bills and support family members.
He decided to sell them in part to payoff hefty medical bills from cancer and other illnesses and because he thought they should be in the public domain.
Millions of people in the UK struggle everyday to pay their bills rather than take the substantially softer option of declaring themselves bankrupt and having all their debts written off.
For couples saddled with student loans and huge credit card billsthe first impulse may be to let saving for the future take a backseat while you payoff your debt.