For the past year I haven't been able to pay two credit cards. Eventually I got letters saying they're going into charge offs. And some other company letters saying they purchased the debt and now they are in collections. I think one was from Afni. I constantly get the phone calls from the weird 1-800 numbers but I always ignore them and silence my phone. I know these things are very bad for my credit but I'm young and I don't plan on purchasing anything major. What will happen if I just keep ignoring the collection calls and never pay? Won't those accounts just fall off my credit over the next seven years if I don't have any activity on them? Or should I expect something more serious coming after me? Any input or warnings would help. I would pay if I have the money, but that will just have to wait for now... I'm a college student right now.. you know how it is.