Me: So, I’ve been avoiding creditors lately.

Spider-Man: How do you avoid creditors?

Me: It’s actually quite simple.

SM: Really?

Me: Really.

SM: So how do you do it?

Me: Simple. You just don’t answer your phone.

SM: It’s that simple?

Me: It’s that simple.

SM: And what does not answering your phone do?

Me: Not answering your phone doesn’t allow the creditors to make you feel guilty about how much money you owe them.

SM: Don’t they have other ways of getting their money from you?

Me: I’d imagine, but for the first few months they just call a lot.

SM: And you just don’t answer.

Me: I just don’t answer.

SM: Hmph.

Me: What would you do about creditors looking for money?

SM: Well, I’ll tell you, I wouldn’t have the option of not answering my phone.

Me: Why is that?

SM: Well, I don’t have a phone.

Me: You don’t have a phone?

SM: I don’t have a phone.

Me: No phone?

SM: Well, Peter Parker has a phone, but I don’t have a phone.

Me: But you have creditor issues?

SM: Well, no.

Me: Because you can’t get a credit card.

SM: Well, yeah.

Me: Because you don’t have a social security number, an address, or a phone number.

SM: Well, yeah.

Me: But Peter Parker has all that.

SM: Yeah, and he has issues with creditors.

Me: How does he deal with them?

SM: He just doesn’t answer his phone.

---