Guys - Be honest with yourselves here.

This gimpy fat fuck stole so much more money than he can pretty much ever afford to repay.

At $12/hr from his job, a 400/mo repay just isn't realistic. If his choices are "feed my daughter/whatever" or "repay PFA" - I don't think anyone will have a hard time guessing which option he will choose.

I understand that getting rolled by this guy has been a very troubling experience for the PFA community but if shady Juan has any realistic chance of sustaining this repay.. 100 a paycheck is the absolute max he will ever legitimately part with imo.

Without a realistic payment plan, this guy just isn't going to follow through.