> Before that, though, they'd probably ruin your credit and harass the lights out of you. They'll also tack on every fee and penalty they can, so that when it

> Before that, though, they'd probably ruin your credit and harass the lights out of you. They'll also tack on every fee and penalty they can, so that when it does proceed to collections, the amount owed is much more than the prior balance. So if I had the cash to buy my own debt, I'd probably just make minimum payments with that money and look for opportunities to consolidate debt to get the lowest APR.