For one CC I owe, here's my choice- I either call and give my check acct number to make a payment today or it gets written off as bad debt and turned over to a collector and/or attnys. At least that is what they have told me. I will not know until next week if I will be filing for bankruptcy or not. Or if I will pursue debt consolidation. But if I let it get turned over then pursue one of these avenues, will it make any difference at all if I don't make this payment today and the company goes and follows thru with what they said?