CREDIT CARD PAYOFF CALCULATOR

The Math May Be Impossible. So, What Happens if You Stop Paying?

If the calculator above proved that you cannot budget your way out of making minimum payments, you aren't alone. Many hard-working people are forced to stop paying. Here is exactly what happens next—and how we protect you when it does:

Months 1 to 3: The Harassment Phase

• Your credit score will drop and late fees accumulate.
• The bank will call relentlessly to demand payment.

Months 4 to 6: The "Charge-Off"

• After ~180 days, the bank considers the debt a loss (a "charge-off").
• They either send your file to a law firm or sell it to a Junk Debt Buyer (like Midland, LVNV, Velocity, Jefferson Capital, or Cavalry).

The End Game: The Lawsuit

Eventually, a sheriff or process server delivers legal papers. Getting sued is terrifying, but it is just another Tuesday for us. You don't need to become a legal expert overnight; you just need the right team in your corner.

One Law Firm. Two Winning Strategies.

• Junk Debt Buyers (We Fight, We Don't Settle): They buy old debts in bulk hoping you give up. We know they often lack proof, so we fight. Our Refund Policy: If we don't win your case (you owe $0), I fully refund your defense fee.
• Original Creditors (Smart, Flat-Fee Negotiation): Original banks usually have paperwork. We negotiate to protect you from a devastating judgment. The Promise: We guarantee to reduce what you owe by at least 20% on a 2-year payment plan, or you get a full refund.