[Dog]

But your credit is ruined.

[pansgold]

If you have not paid your credit card in 6 months or even 90 days, it’s already ruined.. right

[SeeSharp]

But your credit is ruined.

For 7 years.

This advise is questionable. Every state has its own distinct laws and court procedures concerning debt collection. It has been a few decades since I had to worry about such things, but I remember it used to be the case in Texas that only the original creditor could sue you.

[BenLurkin]

And you have to lie to the court along the way.