<prompt> Human: Hello PF! Long time lurker here. Ive ranked up quite a bit of credit card debt. I had a car payment and a couple of cards at first, then got married, moved into a new place, and a few years later were finally able to start settle and get rid of this debt.A family member agreed to loan me some money to help pay the cards off and then ill be repaying the loan 0 interest beats any offer the banks had given me. So my question is, how do i pay off this amount of debt without sounding any alarms at some database somewhere? This money is not necessary income, because Im not working for it, im only transferring my debt from the bank to a person.any steps i can take?  <response>: Just pay it off. Nothing is going to happen. 