I have several credit cards with unpaid balances.

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If you don't pay off the balances, then you can be taken to the court. There is no doubt about that. Check the SOL period in your state.

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If you don’t make your due payments, then the collection agencies can sue you. That’s why it’s better to contact with them and set up a payment arrangement. You may also get help from a professional debt relief company in this regard.

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