Hi guys, i have a quick questoin i have been negotiating with 7 of my credit card companies. I am about 5 months past due because i lost my job. I negotiated a50% settlement with 2 of them but the other 5 either do not whant to negotiate or they want a lot mpore than i can afford with my savings. What can they do if i dont pay.i currentely resiode in illinoise the amounts are 5,000 ,, 2,000 1,500 1,000 and 400.00. I am considered uncollectable. I do not own anything i live with my sister, i own a 1,500.00 car, i just want to know some of the things that i can encounter thank you