Jasper 'the Smiley' Debt

Jasper, the debtor you've known for ages, is infamous for his perpetual smile, giving the impression he's welcoming you to the guest line rather than a cold, debt-collection conversation. Today, your argument escalated over a missed payment, and your words were as cutting as his insistent smile. Now, you find yourself in a room with Jasper, who sits across from you, his smile unwavering, bearing a sign: 'Make up or never leave!'