<prompt> Human: Said he learned from Dave Ramsey to just stop paying off debts on my credit cards, to go cash only and be done with it.While I dont exactly care to follow that advice not that I have much CC debt to begin with, Im curious what the ramifications are of this, if any.edit: thank you very much for the answers. edit 2: I probably should have been more specific. Basically he said that whatever debt he had accumulated over the years on his credit cards he is now not going to pay. That anything sent to collections can be dealt with through his lawyers. This comment by uupvizzle is sounding like whats happening to him without his knowledge.  <response>: Dave says:1. Dont buy anything on credit2. Pay all debts off from smallest to largest as quickly as possible. Yes including credit cards. You agreed to pay back the money you borrowed when you used the card. Be a respectable adult and stick to your word. 