Journal of Dr GFW

But there is another class still more unjust and dishonorable. It is those who not only add insult for your kindness, but will use every advantage you have given them by indulgence to avoid the payment of a just debt. They will plead the act out of date because it was not settled sooner. These are worse than thieves and would steal if a favorable opportunity offers. But mind that you settle every year.