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I'm just curious about how bad it gets when you just don't pay them? What do you mean by "they decided to treat me like the scum of the.."? I am just trying to figure out if the fight is worthed not filing BK to be done with the sob's.

The answer to that question depends on what assets you have. If you have no non-exempt assets (determined by state law), the worst that can happen to you is a lot of harrassment, phone calls, etc. Creditors can get downright nasty at times. Expect calls early Sunday mornings or late in the evening. You can avoid this by installing caller ID or just unplugging the phone. If the calls are coming from a collection agency (not the original creditor) you can send them a cease and desist letter, telling them not to contact you again. If they continue to contact you, they violate the FDCPA and may be subject to a lawsuit. The only thing you really need to worry about is a levy on your bank account right after you deposit a paycheck. Be careful how much cash you keep in your bank accounts, it can disappear overnight if a creditor gets a judgment against you. As long as you have nothing that the creditor can attach or seize, you are pretty much home free.

If you have too much equity in a home or car, that is a different story. You need the advice of a good lawyer to make sure you protect what you have.
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