how could you use somebody's money and not pay it back. how do you feel if i take your paycheck and not pay you for working?  you are one of the nig**. but anyway.... you can always file chapter 11. bankruptcy. now the rules of bankcruptcy has been changed so they will take a chuck from your paycheck against your deliquent account. and the record will be there in your history for 7 years. so at the end of the day you have to pay them back what you owe unless you die before you pay all your debt. so its up to you. pay now get out clean or pay later with boot patch in your ass.

your simple credit card deliqeuncy debt does not effect your status. you can enter and leave the contry anytime. USCIS do not go over your credit history to grant you a visa or chage of status.