Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - I havent paid credit cards in over 6 years? what will happen? - when me and my sons dad were together, i was a stay home mom and he worked and paid the bills. but since our breakup over 6 years ago i have been barely struggling with the kids, rent, utilities, car and food.he has been incarcerated so i have recieved NO HELP FROM HIM EVER. we were not married. i havent been able to afford to make a single payment since then. they are all credit cards like sears, mervyns, target, etc. about 15000 worth of debt. i am seriously thinking of just filing bankruptcy becuase i already looked into debt settlement and i cant even afford those monthly payments. i am serioulsy living month to month if lucky! i want to get rid of this heavy burden. i just heard that after 7 years something about my bad credit falls off? what does that mean? will i still owe them money? also they dont know where i am since i have moved several times since then and also changed my cell number. so i have had no contact with any banks and i have no idea whats goin on with them. -