Thank you for your question.
Unfortunately, if bankruptcy is not an option and your credit counselor cannot settle or negotiate some sort of payment plan with your creditors, there may not be a lot that can be done. Your creditors may be able to sue you for the debt and obtain a judgment against you. The judgment may then be executed pursuant to the laws of your state and may take the form of them levying against your bank account, garnishing your wages or attaching to your assets.
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