intense99

Thanks for understanding. I am on disability. I didn't take on debt and not expect to pay it back asshole.

Can they litigate against me if they have no way of contacting me? Will I one day find my bank account frozen? This is primarily my concern. I'm on disability so they would not legally be able to garnish my income. I have evaded them simply because I didn't want them harassing my family and I have no way to pay my debt.

Are there any risks to the skip tracing approach? I have successfully evaded the creditors and they do not have a way to contact me. I have almost no assets and no wages through employment. I'm planning that I will not have to deal with them again which has worked for the past two years.