I'd personally focus on finding ways to increase my income. Bad credit can bite in other ways. Prospective employers who run a background check for example. CC companies are predatory which is why I didn't tangle with one for years. You do you though.
Discussion
Tried. Never works out. I end up just working more getting nowhere.
I have my house, 2 cars and a 33ft RV all paid for.( None just in my name either, so coming after me is pointless. They can't take shit as i dont have shit for them to take!)
Wage garnishment? Good luck. I doordash.
Oh no, I need a new car? Glad I stopped paying CC bills and still have my benz or have the money saved to get another used POS.
🤣