I hate write-offs. They irritate me. It's probably because I'll never get one, because me and DH and too financially responsible (that and nothing crappy has ever happened to us - but we also have a plan to cover us in that case, so I don't think we'd get a write off anyway.)
I know a couple people who are about to get over 100,000 that they owe just written off, and as much as I love them as friends - it really irritates me. Me and DH have great credit, make our payments on time - and we don't get crap. I'd really just like for someone to say "Hey - you've made all your payments plus some on time for the past ten years. We've decided that we'll just give you your house free and clear now. Congrats!"