You're a moron...there's no debtors prison and worse they can do is get a default judgement against you for the debt and wtf cares, in 7 years it's moot anyway. Credit card companies/banks don't have a leg to stand on with unsecured debt, if you don't pay the worse they can do is harrass you and/or sell your "uncollectable" account (after writing it off as bad debt) to some scum collection agency for pennies that will try for 6 - 12 months to collect on it at which point they either dump it on another collection agency (lower life scumbags) or it just gets forgotten about. The end result is the same, you don't pay back the debt owed, you get bothered a bit and life goes on, period.