I'm trying to avoid bankruptcy. However, there may come a point when I have to pay my mortgage, utilities, food, and gas, and won't have enough to pay everyone. I have 20K in unsecured credit card debt averaging 18% interest. My payments are above $600 a month. I'm disabled and only make $22,000 a year. We had a medical emergency a year ago and its caught up with me. If I don't pay my creditors for a while, other than calling me all the time, what can they do. Can I go this way for a while till I can afford BK, or is there another option to BK that I'm missing.
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