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The borrower... Thinks 'If he can afford to lend, he can't be that poor' 'He doesn't need the money in any hurry' 'Why does he need the money, I need it more' 'If I avoid him, he can't remind me of the money' 'He's not such a great friend, all he cares about is his money' Why has he...

He should try to get this debt rolled into a personal or home loan with a much lower interest rate, and cut up the credit card/s. He should then up his repayments so he makes headway in reducing the balance. Alternatively if his debt is made up of a series of cc he could start paying off...