<prompt> Human: No, Im not doing this! But a friend is. He has somewhere between 10k-20k racked up on a credit card, and has decided not to pay it. His plan is to just wait it out for seven years, until the debt comes off his credit score. I believe at this point the debt has already been sold to a collections company, and he is simply ignoring their letters and calls. In the meantime, he is maintaining payments on his other credit cards not sure how manymaybe three? so that he can continue to use them.Hes smart and does his research, and has made some other not-so-ethical financial decisions that dont seem to have hurt him at all he stopped paying court-ordered alimony with absolutely no consequences, for instance, due to geographical complications. But what usually happens in this situation? Is this actually a solid, if morally dubious, route to take, especially if youre not planning on buying a house soon? How bad could his score get? Could this affect his ability to get a car loan which he will need soon, rent an apartment, open utilities in his name...? What are the odds of legal ramificationsgetting sued here?Edit: The state is Oklahoma.Assistant: Depending on state, he could:1 Get sued;2 Get a judgment against him3 Get his wages garnishedIn practical terms, hell be paying 2937; on car loans, have to pay extra security deposits on nearly everything, and likely will not be able to find jobs where civil judgments are an issue.Human: Thanks. Edited to include the state. Is it common for CC companies to pursue legal action garnishment, lawsuits for amounts like this one?  <response>: As a payroll manager, I see garnishments for credit card debt fairly often. In my state, the garnishment amount is up to 25 of your net pay. The last garnishment I processed had a guy paying over 800month for a 5000 debt. If he had just paid the credit card company, his payments would have probably been around 200month or less. 