It is expected that you repay your debts
Mark has racked up large debts and is trying to figure out how to handle them.
Mark wants the debts to go away.
Mark gets a second job and works himself to the bone to earn money.
Mark files for bankruptcy and has all of his debts cleared.
Mark's creditors get the promised money and are happy with Mark's performance.
Mark's creditors lose the promised money, which then hurts their businesses.