 So I would have no issues paying it. We could probably pay it off in a year, year and a half after we get married. It just makes me mad. And I'm considering three options. Filing for Chapter 13 bankruptcy. I don't care if the credit goes bad. We don't ever plan on taking any credit ever again, so it's not a concern for me. Negotiating with the credit cards for a lower payoff of the credit cards. Or the third one, just forget everything and just attack them with a gazelle intensity and pay them off.