Dear Manoj1 and yeostudent,

If you are considering long term stay at the US, you should plan on paying the debt off. My suggestion is to contact one of the Debt management Agencies. They will help you make a payment plan, and they will negotiate with your credit card companies to reduce the APR. Depending upon your total debt, they will determine the amount you'll pay every month, and also the duration of the plan. For example, for $25,000 debt, you'll pay aroung $500 every month for 5yrs or so. But make sure by visiting BBB (Better Business Bureau) that the Debt Management Agency that you choose have A+ ratings. Your credit score will become excellent after the debt is paid off.

As far as taking you to the court, I dont think it'll happen.

About travelling to Nepal on OPT, it is a very bad idea. Even the international advisors and VISA councellors advice you to avoid that. Since your studies are complete, and you do not have a working Visa (H1B), your future status will be questionable. So, unless you get an H1B, dont travel to Nepal.