they will most certainly garnish your gibs for $20k

>>84312602
you should call them and explain your situation?

they will probably end up taking money without your apporal otherwise

>>84312613
>Social Security income can't be garnished to pay credit card or other commercial debt
What then?

>>84312640
I tried a debt counseling service that works with the creditors and they offered $350 for 52 months and that's not affordable to me.

I can't afford that.

>>84312613
They usually can garnish gibs. Check what the laws are in your state. They have to sue you and get a judgement to take anything from you. Do you own any property or assets OP?

>>84312602
Is this a credit card or your prostitute tab?

>>84312668
idk how possible but maybe ask your family for help with those payments?


but I honestly have no idea how bad it gets with these cases

>>84312673
Nvm. Just googled it.
>Federal law provides absolute protection for SSI, meaning no private creditors, including credit card companies, debt collectors, or personal loan lenders, can seize or garnish SSI funds to satisfy consumer debts, even if they win a court judgment.
You're good OP. Kikes can't do shit.

>>84312686
based, retards rise up

>>84312602
Alright OP. Just know im some random nigger on 4chan, im not a lawyer and this is not legal advice.
There gonna charge the debt off and it's either going to go to a collections agency or a lawyer. It's a high balance e so they might sue you to attempt to collect.
Know this. You don't own these kikes anything. You're not a bad person for not paying them. Fuck them. They are charging you 28% interest. I don't care that you agreed to it and spent the money, fuck them.
Check the statue of limitations in your state. In my state it's 5 years. Meaning if they don't sue you after 5 years, there's they can't. That timer resets if you make a single payment. So DO NOT pay them a cent.
To collect anything from you they have to take you to court. Do not even consider giving them a cent until they send you a summons. They if you want you can attempt to settle some deal with their lawyer. The longer you wait the better your deal is going to be.
But you don't have to make a deal at all because your on SSI and have no income they can garnish. So fuck em. They can't take anything from you if you have nothing. And they can usually only sue your for it once.

>>84312810
Also if it does go to a collections agency they will give you a better deal to settle than the CC company. They bought your debt at a fraction of the cost that you owe, so they can take a lot less and still profit off it. If you don't care about your credit score, it's almost always better to wait.

Best I can do is $3

>>84312810
>>84312843
I feel regret paying minimums of $470 the past 2 years. Was there really any point? You're right I don't even want to give them a cent now.

>>84312602
>$18k
Anything under 10k theyll just a call a bunch but eventually say fuck it, MAYBE keep charging interest until it passes 10k but then still flip a coin if they give a shit. Over 10k tho they finna sue yo ass and garnish whatever they can

>>84313127
You paid them $11,280, and they still say you owe them $18,363.82. The only reason to pay them is to keep your credit score.

>>84312602
Get another card to pay it off. Continue to do this until you get old and die or your luck runs out. If the later, fake your death and start again.
Protip, it's righteous to scam Jews, fast track to heaven.

their fault for giving a credit card to a poor retard. fuck those kikes, op don't pay a cent.