Just don't pay the debt. Don't answer any calls. Instead of $13k on one card, get a few that total up to $13k and max them all. Much less likely to get in any real trouble. Your Pokemon cards were now free, and Dave's boomer brain can't even comprehend it. Don't fear a number.
Alright buddy...
We're so positive that your dogshit team won't win - that if they somehow do, we'll add an extra $25,000 to your payout. Keep dreaming 😭