I have 3 major credit cards that I haven't paid in 6months ( 14thousand debt) the other little credit cards ( couple hundred each ) I'm almost done paying them , work is slow I'm self employed , I plan to pay the major cards one at a time as soon as I pay the little ones. I'm in collection in all of them , my credit is bad . I don't want to declare bankruptcy , what can they do to me ?

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