<prompt> Human: I have a friend who is on a kick about having a ton of credit cards, increasing your credit limit, and then not paying the credit card bills. He allegedly knows a way that gets the collections debt to be forgiven.Anyone ever hear of anything like this?Sounds like a great way to become bankrupted in no time flat.  <response>: Um no this is not a thing. Do not follow this friends advice unless you want a shit credit score and your wages garnished. 