Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Defaulting on credit cards and need advice.....? - My husband is in the military. The reserves to be honast and it sucks. Ive been out of work for a year and i dont qualify for unemployment. all the money he makes is barely enough to pay our living. I got these credit cards when WE thought he was going active duty but it fell through. Im not the sort of person to go and spend money then cheat people. I hate being in debt but its been rough. I am now in collections with literally all of my cards and one has already defaulted . another collection agency called me last night at 9pm and so rudely yelled at me. i tried to explain and i tried to work with them but nothing can work. They told me I'm going to make sure my client goes after you for this balance. HAVE A HAPPY HOLIDAY!!!! (some wish while he yelled at me the whole time.) I know that any (if i find another job) wages are going to be ganished but if the rest of my cards default...can i go to jail like he threatened? I mean my debt is under $8 -