Hypothetical question

I hear all the time that a lot of things in commerce in this country is "pre-paid" concerning the American people due to HJR 192 and Public Law right? and so I had someone ask me "well what is stopping me from getting my furniture out of layaway through discharge of what they say I owe"? How would you guys answer this question because I know I will get similar questions in the future and I would like to give them answer from the point of view from the experts