I agree with others; bankruptcy is an option if you have a health crisis or get laid off because it allows people a new start. But not paying your credit cards is stupid. On just a basic level it affects how you can buy a house and how much interest you’ll pay on a loan. Most people can’t afford to shell out 200k or more on a house, so yes, you have to borrow to buy a house.

And you don’t need to pay anyone for Kindle formatting. KDP has a nifty tool that is free and will do it for you.