Level 7
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Credit cards

I’m calling bull$#|+ don’t do this in my opinion if you take out a real loan you are signing your name to that cash loan the money you owe on credit cards is made up money they can’t magically print money and then give it to you with an outrageous APR that’s the shadiest thing in the world and they never should of been allowed into this country in the first place in my opinion tell stop paying don’t tell them anything just stop and when and if you end up in small claims court find and flaw in their case being it the littlest one ever and use that to be the straw to break the camels back my guess is they already know they lost and are just waiting for the people they have been robbing and enslaving to figure it out 😉 Good Luck out there either way as either road you choose will have its bumps and holes in it