It's important to pay back loans.
Jeff is in deep debt to the local bookie due to Jeff's bad gambling habit.
Jeff wants to decide how to handle the debt.
Jeff decides to settle his gambling debt with the bookie.
Jeff decides to put off paying his gambling debts until later.
The bookie appreciates Jeff's debt payment and encourages him to come back soon.
The bookie decides to pay Jeff a visit and break Jeff's legs.