Josh: If I don’t respond to the credit card company and any lawsuits, what can happen?

Samira: You automatically lose. That’s the truth, simple, plain …

Josh: Default.

Samira: Default. It’s like having a football game and the Miami Dolphins don’t show up. They lose. If you have a defense, for example, you paid it, they were supposed to have given you a credit, the debt collector didn’t [own 00:00:34] the account, all those arguments are lost. The best thing I tell people is just if they’re being sued, face the music and let’s start working on finding some solutions. One of them, of course, is bankruptcy but that’s the last thing you should consider.