@Anonymous wrote:YIKES! Does that qualify as Friendly and supportive?
IMO, yes. It falls into the category of "tough love." Sometimes you have to hold up someone's thoughts in a mirror, and ask them to examine what they're saying, and what it really means.
It can be a difficult line to walk: telling someone stuff they don't want to hear, but not insulting them personally in the process. I happen to love your siggy: Best financial advice I ever got: "Just imagine what an adult would do and do that."
If you've ever had kids, especially teenagers, you'll be familiar with the feeling! 
Again, JMO.
@Anonymous wrote:Ok this is just completely outside the box what if thinking ok? No need to yell at me or anything, I'm just throwing the idea out there.
I currently have 4 credit cards and my total debt is combined about $15,000. Last year for the 1st time EVER I had a financial slump and BOA reported a 90 day late on my VISA and closed the account. After having the card for 7 years with no lates they closed it but yet I still have to pay the $11k balance and the monthly minimum is around $250.
So I'm already kind of ticked off, this screwed up my credit BIG time.
Well I am back on my feet and making good income. But honestly I'm kind of having a hard time parting with my cash. I like to see my balance grow and now that my credit looks like crap anyway I just am finding myself not giving a damn about my credit score or making sure these creditors get a dime from me. I pay for everything cash now and tossed all my cards.
I have read on this forum about paid for deletes. I guess when you don't pay your credit payment the creditor actually "sells" the debt to a collection company. At that point you then negotiate a pay down or pay off and you also somehow arrange to have the negative mark deleted from your credit report?
I don't pretend to know all the details, but what if I let everything go to collection? What if I just stomach the 3-6 months of phone calls and collection letters and just let my debtors sell my debt to a 3rd party collection company? Wouldn't I then have the opportunity to settle the debt for much less than I owe and also possibly arrange for the negative marks to be taken off my report?
I know it sounds radical and I don't expect anyone on here to actually encourage/advise me to not pay my debts and run my credit into the ground, but try to look at it from outside the box. If I make good income and use only cash now then to hell with my credit for a brief period of time right? Best case scenario I continue to pay all my bills and try to build up my score but regardless of any effort won't the 90 day late be on there for a good 7 years? There is something appealing about debt collectors willing to negotiate with me 6 months from now to settle the debt for half, maybe even less of what I owe. Plus the possibility of getting the negatives taken off.
Maybe there is a key part I am missing but if I am willing to make the sacrifice of not using credit for 7 years, worst case scenario won't it all drop off anyway?
It will drop off. but more than likely you will be sued for it by the CA's and pay alot of interest on top of the balances plus have judgements on your credit file which will haunt you longer than 7 years because it will take some time for the CA's to get a judgement on the debt and the time clock starts from when they get the judgement.
So easy answer: No. Pay the creditors what you can and try to be moral about it. You did make these charges and your creditors trusted you. Do the right thing.
@CreditScholar wrote:I'm going to be VERY blunt here:
Pay off the rest, get over it and move on. If you have to, don't bank with them in the future and just let it pass.
BofA did the right thing in that you didn't hold up your end of the bargain. There's no reason to blame them when (1) you are considering deliberately not paying them even though you racked up the charges AND (2) you have the cash. It's not their problem what happened with your job, you owe them money and are being irresponsible about it. It's as simple as that. Once you had the 90 day late, you can't expect to say "sorry here's the money "and have it be all better. It doesn't work that way, and there are consequences for your actions. Don't expect any sympathy from BofA because they don't owe you any.
+1
Sometimes tough love trumps friendly and supportive when your weighing options of how to "properly" rip off a bank.
Whatever you do never let yourself go . You might be mad at a process or and institution or both. But pick yourself up and do the right thing for your credit and life 
@CS800 wrote:
Whatever you do never let yourself go . You might be mad at a process or and institution or both. But pick yourself up and do the right thing for your credit and life
+1
too many bad things can happen letting it all go down the drain.
You will not read it anywhere on here that you should ignore your debts. You will just start from scratch and you don't want that
So how have you decided to go with this OP?