text:  if they go to court uh you're gonna lose you're gonna get a judgment against you by the way you have no credit left i'm assuming because you haven't paid any of the other credit cards exactly yeah okay so your credit is shot now uh you can try and you can say uh because that's not under the penalty of perjury you say hey i don't have any money i'm telling you i'm broke i'll give you 50 cents on the daughter dollar i'll give you 75 cents on the dollar i'll pay you 200 bucks a month