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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?

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[–] [deleted] • 3 pts

Credit balance gets sent to collections, collection agency will "settle" the amount. Once the debt is settled, removed from credit report assuming some kind of agreement is met. That's right, in jew land, paying 25$ for a 100$ of credit is somehow a thing ... Also just because you settle, doesn't mean you can't get credit. Look up NINJA loans that led to the 08 meltdown to see just how fucked US finance laws can get

[–] • 4 pts

Just make sure to get it all in writing from the debt collector if you go this route.

[–] • 1 pt

Debt collectors won't do this any more. There's a word for it. And I've asked. They don't do it. They'll lie to you, though.

[–] • 0 pt

You mean settle? I know some that have settled with them recently, it may depend on who you are asking.

[–] • 0 pt (edited )

I deal with idiots who take out payday loans and high interest credit cards all day, and it's not the collector's fault you took out a jew loan that increases to 700% interest when you miss a payment.

If you want to SIF the balance or set up a PPA I have to send you docs about the arrangement. You have to sign these! If you don't sign these we can't send you a PIF or SIF notice! It's up to you to send these docs to the credit bureaus.