Re: What happens if you don't pay your debts?
Even if you were to "Get away with it" you'll end up spending the next couple of years wondering if/when they will catch up with you.
I know that some people have a greater ability to put that kind of feeling out of their minds than others. I don't think I could deal with knowing I had left an 8000 debt behind me.
So when you look into this look at the actual financial consequences, (Credit History, Legal Action etc.), and if it's appropriate look also at the effect it will have on you personally, (Worry, Guilt etc.)
-Rd