When you say that they bring in $ 15 an hour , you mean their skills are equivalent to that ? I disagree . I think unskilled workers worth isn ' t valued as much as it should be right now . <| sep |> Except Arizona has enough sense to abandon daylight savings time . <| sep |> This shithole helped Donald Trump get elected . <| sep |> Hey ! Rockruff for Diglett sound okay ? <| sep |> furreal , mf ' s need to do some stretching . maybe take a lesson from Ru Berband <| sep |> Yes they would sue you to get you to pay that much debt . If you stopped paying and just ignored it your situation would only get worse . Interest does not stop if your account is closed . It will keep going up and it might take a year or two but its going to catch up to you . You have the income to pay the debt , they know this so they wont just ignore it . Your wages would almost certainly be garnished . You ' re 27 , your credit score is going to impact your life from here on out . You cant bury your head in the sand . You clearly have a problem with spending too much on credit cards , you ' re not alone lots of people have that problem . For your income 21 k isnt nearly as high as it could be so relax . Its a lot of money but its a manageable amount of money you can pay it back , keep your credit intact for your future and if you find the temptation too great to use the credit you have responsibly close the accounts . meaning you basically only use credit cards for the rewards and pay the balance off in full every monthYou need to basically change your life and how you approach money . I would suggest you stop using your cards at all , cut them up if you have to but dont close the accounts . yet Keep paying your minimum balances at least for now and make a serious plan to repay it . You should get a budgeting program such as YNAB , You Need A Budget it will help you visualize all your spending and your debt . Look for what is the root of your credit card problem , are you just living beyond your means and using credit cards to bridge the gap ? Its easy to just overspend when your just tossing the money into a bottomless pit on a credit card . With YNAB you will have to see every purchase you ever make and how much money goes to each category which will probably surprise you .