text:  If they go to court, you're going to lose. You're going to 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, you can try, and you can say, 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 dollar. I'll give you 75 cents on the dollar. I'll pay you 200 bucks a month.