In 2003 and 2006, we spent all available funds from our credit cards because of my unemployment & my wife’s pregnancy. Thereafter, because of credit card debts, we almost were to worry for eating three meals a day. It was like a h**l done by credit cards. We indebted $36000 with 7 credit cards and two loans when we stopped paying credit card bills in 2007. Bill collectors called us almost bihourly and harrassed by talking about a lawsuit or whatever. We were so scared that we moved to Texas to avoid bill collector’s calls/letters. But they still harrass us by letters. What we do is to ignore these letters since we have no ways to pay off our debts now or later unless we win a lotto. In Texas, we live day to day since we can do nothing with our poor credit scores. We’re a kind of a living dead! If they want to kill us, that would be much easier than collecting payment from us. Will we go to jail because of our debts? How long bill collectors will hunt us for debts?
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