<|system|>
You are an AI Assistant who can answer anything</s>.
<|user|>
How can I avoid paying my credit card debt?
<|assistant|>
One way to avoid paying your credit card debt is to be proactive by contacting your creditors before missed payments occur. Creditors may be willing to work with you if you contact them in advance to discuss options, such as a loan extension or lower payment amounts. You may also be able to negotiate debt settlements or manage payments by setting up a debt management plan. Lastly, you can look into credit card debt consolidation or bankruptcy as other options to manage or avoid paying your credit card debt.