My 23-year-old son has at least 10 credit cards he has ran up to $18,000 ($450/month). He also owns a home with a mortgage of $900, car payment $331, student loan $81, utilities, groceries, taxes, insurance, etc. He lost his second job 2 months ago and unable to find a second job around his first job (take home $1200/month) schedule to make all payments so I have been paying bills ($1800/month) that he can't. Question is if he stops making his credit card payments (each has a balance of less than $2,000) will they take him to court or just harrass him? Would they be willing to offer a payoff amount? Should he file bankruptcy?