It's wrong not to pay back your debts.
Blair is sitting at home when his phone rings, and he sees it's the debt collection agency on the call display.
Blair wants to get the phone to stop ringing.
Blair answers his phone and talks to the collection agent about making a payment arrangement.
Blair looks at his phone and hits a button that silences the ringer before throwing the phone on the couch.
The collection agency is satisfied with a payment arrangement and stops harassing Blair.
The collection agency continues to charge interest and prepares to take Blair to court.