Have you ever just stopped paying your credit cards?

What did you do? Did you have to deal with collections? How did you get out of it? How does collections garnish wages?

I’m thinking of a strategy to pay off my bills, but without a job it’s a little more troubling. I’m on unemployment insurance and you know how that is, it’s like 2/5 of what was originally being made. I feel I’m at my wits end with all these bills (That I got stuck into because I was putting myself through college and thought I’d be done by now with a decent paying job turns out life had other plans. I accept full responsibility for my mismanagement, what I want to know is does it get better? Have you ever been stuck in debt? What was your game plan?)