Thank you for all your replies guys. Phone calls I can handle, I will get a new prepaid card. My biggest concern is getting sued. I know after six months of not paying the creditors will sell my case to collection for pennies on the dollar.

My big question is, is it worth it for these collection agencies to sue me when I have nothing under my name and own nothing? Do they give up after 2-3 years?

I want to ride it out for 4 years till the SOL expires.