Tara.. i dont think they will take any legal action against you for 10K.. thats too less of a money to take you to court. However, your credit score will go down the drain. And you will probably never be able to return back to the US... and even if you do, you won't be able to get another CC for a long time (7 years to be exact)

Have fun in Nepal. Heard we have 11hr/day load-shedding these days.