<prompt> Human: Hi everyone,So I am being let go from my job on Monday and I have 22k in credit card debt, as well as 16k in auto loan. I have 0 savings I know, I know!.I dont own a house or pay rent, and my monthly bills are 611 this includes car payment but not credit card payments. I do not expect to be getting another job soon, and I plan to take some time to work on a massive career change involving some travelling. I will be getting a severance of about 6k as well as CA Unemployment pay of about 1,800month for up to 1 year. I have been looking at the numbers and trying to figure out how I can have money to live on for the next year and also come out on top in a decent financial position not having massive debt 1 year from now, and its looking like defaulting on my credit cards might be the best option. I dont care about ruining my credit, but my main concern is if the debt goes to collections and they sue and start garnishing my unemployment can they even do that? or future wages when I eventually do start working again, or freeze my bank account. I do want to keep my vehicle so I would continue paying on that, but my understanding is that they cannot repo my vehicle for credit card debt; only if I defaulted on my vehicle loan then my vehicle loan company could repo. Also please do not say that I should sell or trade in my vehicle for a cheaper one. I realize that is an option but I am trying to figure out how to NOT have to do that.I have researched and understand that I would be facing 4-7 years of harassing phone calls and dealing with aggressive collectors. I can handle that. Again I am mainly worried about what happens if they sue. And I just wanted to get any input on anything I may not have thought of.Anyways, let me know your advice! Ive been reading through all the links on this sub but apologies if Ive missed something.Thanks!EDIT: I seem to be getting a lot of comments about the morality of the decision. I do appreciate the feedback in this regard and will continue to respond to these, but the advice Im looking for is from a logistical standpoint and what financial consequences there will be. I am definitely weighing the morality as well and I am not taking it lightly, but that is not what I am seeking advice on.  <response>: Wow. Just...wow. You may not get the sort of advice you are hoping for from this crowd. 