Other unsecured loans. An unsecured loan is not tied to any item of property. The creditor cannot take your property. If you refuse to pay, the creditor can collect from you only by suing you and obtaining a court judgment. These unsecured debts are rarely, if ever, essential to pay first.
Some debts straddle the line between essential and nonessential.
Not paying won't cause severe consequences in your personal life, but it could prove painful nonetheless. In deciding whether or not to pay these debts, consider your relationship with the creditor and whether the creditor has initiated collection efforts. In some states, you can lose your driver's license if you drive without insurance. In California, you cannot even register your car without proof of insurance. Medical insurance or bills.