Dear Santa,
This year for Christmas I would like for you to bring me FOUR THOUSAND DOLLARS worth of debt for having gone to the Emergency Room for passing a kidney stone. I would like a CT scan, a shot of Dialated, an IV drip, and a clean room for two hours.
As a matter of fact a room at the local Motel 6, a hooker, and a shot of heroin would have only cost $300.00. On second thought bring me that instead.
Love,
Sicko