In your life, right now, what would happen if you just stopped paying your bills that aren't related to housing and transportation?
When I did it I became relaxed, happy, engaged with the world around me. I guess at some point I'll get sued, but I'm broke af, work under 30 hours a week so i don't even know what they could take.
I told one creditor the whole truth- owe A LOT of banks, I don't make much money and I'm in too much pain everyday to work full-time