What about the F/O who has just eff oed? Called up while on leave to say he wouldn't be back. This does not help the cause of the expat. If you are going to leave, do the right thing (even if you think you have been wronged. You know what they say, two wrongs etc...). Don't leave car loans and bills outstanding.
A debt is a debt. Wrong industry in which to make enemies.
End of sanctimony.