<prompt> Human: There is advice by James Althucher that you should not pay off your credit card debt and to honestly stop using them altogether. My question is how do you actually do that. Wouldnt it go to collections and potentially lead to legal issues? Any info is appreciated, please and ty.  <response>: It is clear in the linked article below he is talking a dire situation. He was answering a letter from a man that was having a hard time feeding his kids and afraid his wife was going to leave. In the letter the person also talks about killing themselves. So yes in that situation, you have to prioritize and choose what to pay and not. The last thing are the credit cards. Now the rest of the article where he talks about it is just a contract etc, thats bull shit. Just like saying it is not an ethical issue is also bull. You agreed to pay back the amount you borrowed, you are legally bound by the contract you signed. Yes there are legal issues and yes you can be sued. Did it effect the final price on anything or cause me to be rejected from anything. He says not rejected, so I take this to mean financed vehicle. Lower score higher apr more expensive. Read the article and you will see just how full of it he is. 