Since emotionally bankrupt people will never stop making withdrawals--  You need to close their account.  Walk away.  You don’t owe them.  Even financial institutions limit the number of times an account can be overdrawn.  Banks lend with the absolute expectation that what they lend is coming back. In fact, they require an additional fee in the event you don’t return what you took.  And after all that, if you still refuse to make good on the obligation, what does the bank do? THEY CLOSE YOUR ACCOUNT.