How do you avoid your credit card debt?

If your trying to avoid paying your credit card debt, please keep in mind that there may be negative consequences. Creditors are multi-billion corporations. They are staffed with 100's of attorneys, and most likely they won't sit back and do nothing.

First, they will send you letters reminding you of the delinquent amount that you owe. If you ignore the letters, your creditors will eventually sell your accounts to a debt collector.

And then the harassing calls will begin. If you ignore the debt collectors, or don't make arrangements to pay your unpaid debt, they may sue you.

If the collection agencies or your creditors obtain a judgment in their favor and you still refuse to pay, they may garnish your wages or freeze your bank account(s).

There are more viable methods of eliminating your debt than simply ignoring them.