I have spent irresponsibly and have gotten myself in a lot of debt. I have 6K on one Visa card, 9K on another, 3K on a Mastercard, and 4K on a Discover. Also I have an 8K signature loan from Citifinancial.
I was really wondering how to get out from under this, but after reading this blog, the answer is clear. JUST DON'T PAY. And when they charge it off and sell it to NCO, Asset Acceptance, LVNV, etc., I'll just pretend they din't validate the debt and not pay them either.