Legal action should be expected for anyone who is avoiding paying their monthly debt each month, by one creditor or another or more than one at a time even. You never know how bad it could get if you just let all of your debt go for so long, you could find yourself being sued by some of your creditors. If that happens you will have no choice but to somehow come up with the money that is needed to pay off some of those debts, whether you like it or not. Or you could be bankrupted, and lose your assets.
There is simply no way for anyone to avoid any sort of legal action whenever you are choosing to just not pay any of your debt. Once legal action has begun there is normally no other way for you to get out of having to pay off your creditors, unless there is some sort of prearrangement made by both you and your creditor but that arrangement has absolutely got to always be accomplished monthly and on time.
Too many people are running up their credit cards and some people actually know up front that there is never any way possible that they will ever have the ability to pay off any kind of debt such as credit cards.
If you can come up with some type of financial plan for yourself and for the future of your children then you will be much better off in the long run. There are financial advisors in your local area or you could find yourself one on the internet, that could provide you with plenty of helpful information regarding debt and all of the different things you can do to help your current situation that you have gotten yourself into throughout the years.
Take full responsibility for every action that you make, especially your financial choices. Debt does not have to be a big bad monster, if you can control your spending and be smart with all of your choices, along with keeping up on all of your monthly payments, your finances should remain in place and your future seems bright.