The bank(s) who issued your cards have likely written off the debt by this time and will not be actively looking for you. Skipping out on debt in the Netherlands, however, is technically illegal according to Netherlands lending laws and should the banks become aware of your presence, they may push to have criminal charges levied against you.
So, if you are going back to the country, your best bet is to not conduct any new business with the banks or any company related to that bank (e.g., holding company who owns the bank and any companies owned by the bank).
There will always be a risk, no matter how careful that you are, that one or more of the banks may discover your presence and decide to pursue action.
no
you die!
Nothing happens when you pay of an equity line of credit. The equity that you used for your line of credit is now safe.
how to get rid of the money that you owe from collection agency without paying them and become good credit again
No. They want your money, not your credit.
not a lot (dont just move to wales though) they will track you down if you come back though!
You are likely to have your wages garnished. Your credit cards will be cancelled and liens may be placed on property.
Paying bills as late as possible without damaging the firm's credit rating.
Any bank can help you with your credit score. However it is ultimately up to you what happens to your credit score. Paying bills on time is most important.
they will add a late fee to your bill, try and contact you, eventually lower your credit limit, and have a collecting agency contact you
The foreclosure will affect your credit record. You are fully responsible for paying the loan.
If someone stops paying their credit card bill, the account will go into collections. Additional fees and interests will be added to the account. Based on the amount owed on the credit card bill, the lender may file suit.