Posted by: bittertruth May 28, 2014
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1. First call your CC company and tell them that you are interested to pay the debt. Make excuses that sounds reasonable.
2. Second there is this thing called Credit Score which maintains your reliability and trustworthiness. When you don't pay your debt, these companies report you and your scores go down. When your scores go down, you are looked upon as a dishonest asshole and you will be denied loan of any kind, opening bank account, buying vehicles etc. And, it's all linked to your social security number. So, every organization whoever asks you for your SS number, they run certain checks to make sure you are a reliable person. It'll take decades to get your status back if you maintain good records but I think any human with brain don't wanna go this way. So, if you intent not to pay the debt, don't do it, just pay it off or ask for payment plan.
2. Second there is this thing called Credit Score which maintains your reliability and trustworthiness. When you don't pay your debt, these companies report you and your scores go down. When your scores go down, you are looked upon as a dishonest asshole and you will be denied loan of any kind, opening bank account, buying vehicles etc. And, it's all linked to your social security number. So, every organization whoever asks you for your SS number, they run certain checks to make sure you are a reliable person. It'll take decades to get your status back if you maintain good records but I think any human with brain don't wanna go this way. So, if you intent not to pay the debt, don't do it, just pay it off or ask for payment plan.