<prompt> Human: Ok, so Ive gotten myself into a situation due to my own inability to say no to my SO and how much money we spend and our lack of agreeing on a budget. Im at the point of paying for only the necessities like the house, food, clothes, fuel, and utilities for the time being and telling the rest of the creditors to piss off. I dont even care any more. I dont think we have enough debt to file for bankruptcy, and calling one of those debt consolidation places seems like a scam. What do I have to worry about other than shit credit for years to come if I go through with this?  <response>: What do I have to worry about other than shit credit for years to come if I go through with this? Aside from all the negative ramifications to your finances and credit when you walk away from money you owe, youd still have to worry about how you cant say no to your SO and how you cant agree on a budget and control how much youre spending. So you wouldnt have actually solved your problem, because next month youre going to overspend again. And then the following month youll do it again. And youll keep doing it until your creditors cancel all your lines of credit and you cant get approved for any new ones. Then, if it hadnt already happened by that point, you and your SO will go through an ugly breakup because youll finally have to confront the issues in your relationship when you have no more money. So if you cant agree on how to manage your finances and cant communicate properly with your SO, you may as well break up now and try to salvage your credit and save yourself a bunch of headaches. 