Ten years ago I was working & making three times as much as I make on disability. I had five cards IIRC with the highest single card debt ~$1000. Since then I let four cards go to default because I now owe thousands in hospital & medical bills as well as raising a son with no insurance of any kind. Now I have a single Mastercard with a max limit of $900 which I pay off monthly.

My ex was saying recently that he was going to file bankruptcy. He mentioned that his lawyer told him to tell bill collectors that he has an attorney when they call & every time they call back after being informed they have to pay a penalty of $1000 which is divided between the attorney & my ex. I don't know if this is state law (WV) or federal. Something to think about.