I went on the debtmaxxx plan a couple years ago. Maxed every credit card out, stopped paying everything except my mortgage and the truck I wanted to keep, let them repo a broken car. I was paying like $10k a month to just meet minimum payments with the principal never reducing in any meaningful manner. I'm now paying $3k a month in bills and I'm fat on cash. I still have everything I started with other than the car I let them take. Haven't been sued, no garnishments, no bankruptcy, nothing. I work for myself for cash, so they wouldn't get anything anyway. I've got a shitty credit score but a 70% discount on my monthly bills. I've got everything I need. Next up I plan on becoming a nigger to the welfare system and getting some of the gibs.