I was so stupid for 1 year and worked as an insurance agent at Aegon. The first month was a start-up grant, for which it was enough to take out a simple home insurance policy. 1 month ago came the letter that the insurance was terminated and asked for a refund of which is 200 thousand. I wrote them a heartfelt letter asking them to waive the debt, citing my social circumstances, to which a reply payment came in response. What happens if I don't pay them at all? Has anyone been in a similar situation before?