Welcome • User Guide
ToS • Privacy • Canary
Donate • Bugs • License

©2025 Poal.co

427

Just looking for input...

I have a few cards that I was using for things like Amazon or whatever so I didn't use my debit card online, and long story short, I made bad decisions and they're now payments that I would rather not have. I am not specifically trying to nigger my way out of consequences of my actions, but I am more tired of being a debt slave to usury.

I own a house (mortgage is active), two cars that are 100% owned, and a dozen cards with only two of them being the subject of this post.

What would the potential fall out be, if I cut them up and walked away? I get the bad credit score - that game fucking sucks anyways and I am tired of playing it.. So then what? I have to pay for things in cash from now on? Any emergency money that I potentially would need at an immediate time that would be a loan that would what, be a higher APR or need collateral or something?

So I can scrape for 5 years and pay them off, Dave Ramsey style, or walk away and not have great credit for 7-10 years? Also, if some world war starts, who needs credit cards anyways?

Just looking for input... I have a few cards that I was using for things like Amazon or whatever so I didn't use my debit card online, and long story short, I made bad decisions and they're now payments that I would rather not have. I am not specifically trying to nigger my way out of consequences of my actions, but I am more tired of being a debt slave to usury. I own a house (mortgage is active), two cars that are 100% owned, and a dozen cards with only two of them being the subject of this post. What would the potential fall out be, if I cut them up and walked away? I get the bad credit score - that game fucking sucks anyways and I am tired of playing it.. So then what? I have to pay for things in cash from now on? Any emergency money that I potentially would need at an immediate time that would be a loan that would what, be a higher APR or need collateral or something? So I can scrape for 5 years and pay them off, Dave Ramsey style, or walk away and not have great credit for 7-10 years? Also, if some world war starts, who needs credit cards anyways?

(post is archived)

You are currently inside a comment thread.
Click here to see all the comments (48).
[–] • 1 pt

You can either come to some sort of deal with the collectors or declare bankruptcy. The latter has some consequences depending on your future needs for credit. It is possible to lead the collectors on for some time but 5 years is pushing it if you have a fixed address.