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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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[–] • 2 pts

They'll just garnish your wages.

[–] • 0 pt

If a debt collector says they're going to garnish your wages you can sue them. If this happens ask who their client is and request a copy of the call. All calls have to be recorded under FDCPA

[–] • 0 pt

What good would that do?

[–] • 0 pt

Under FDCPA you can't threaten to "garnish wages.", "sue you", "out of court settlement", "take you to court" or any variation. These are magic words that will always get you sued if the person you're talking to knows what they're doing.

All calls have to be recorded and the individual agency has to give you a copy of the call if you ask for it.