>>60687780
I have two cases with collectors.
My credit score is 500. My debt is in the tens of thousands.
None have filed, but I presume they soon will.
Unfortunately for them, I am completely uninterested in paying, unless they want to settle for like 5% of what I actually owe.
I can literally declare bankruptcy at any moment, and I've only avoided doing so because I find it hilarious to practice Cold War-era psychological warfare techniques that I read about in my manuals.