if you have credit card debt and cannot pay sue to job loss or some other reason,just don't pay. simple.. how can someone pay back money they don't have? i am not talking about those that went on irresponssible spending sprees but those that accumulated debt over time with every intention of paying it back. a credit card company sells your debt to a collection agengy who will call your home 20 times for day. you can actually send a letter demanding that they stop calling you.i forget want its called but there is a term and its a legal right. technically they have to. they can go to court and get a judgement but that is a bit less likely nowadays with so many people in the same position. after 7 years it will be wiped off your credit. just because a creditor keeps selling your debt does NOT mean the clock is reset. its starts from the original delinquency date.