I am a good person who doesn't believe in paying off credit card debt much beyond the amounts of my actual purchase. I am a good person who has no current credit & plans never to use credit again. I am a good person who alone supports my family of 3 on a very meager wage and cannot afford to pay old debt over a lifetime of minimum payments and am hopeful for a compassionate judge who isn't a fan of the big banks. Its a credit card company & less than $2k owed. We live modestly renting a home, gardening, pond full of edible fish, car paid off, etc. Now, what say you? Any read on my (good) energy?