Look, I'm not fond of the credit card companies either, got burned once, so now I don't use them. Seriously though, your being a bit childish. Guess what, lots of other people have had universal default used agianst them, most for missing a payment on some minor bill. In contrast you defaulted on a huge amount of money and expect to be treated better based on the fact you have had credit cards for a long time.
Arthurb999 was simply suggesting you consider the situation with your family. Taking time to consider all the possible solutions to a problem is what a reasonable person does. You have shown this in your original post by asking if you should pay off the cc or not. It really seems unfair to flog him for suggesting you look at this option.
As for your original post, unless you lose your job, you are pretty much stuck paying these cards off. Even the bankruptcy route won't help much, as you would most likely be forced to file chapter 13, but it would save you on the interest. Not saying that you are anywhere near that point, I only listed it as an FYI.
|