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How do these credit card co's pick who they will sue??

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Posted by Tori ( on November 07, 2003 at 19:49:25:

I owe Providian 10,000 on 2 accounts( have bad credit to begin with, which is why they targeted me back in the late 90's, anyway, lost my job in 2/02 and stopped paying on both cards in 5 or 6/02, the accounts were charged off in 11/02. SOL in my state is 3 years. anyway, I hear these horror stories here and wonder how long it takes? How do they pick whom they sue? My credit report shows all of my debts and student loans, and my law student cousin says that they will never go after me because they have most definitely checked out my credit report and wont waste there time with someone who is obviously a student and up to her ears in debt... after reading the stories here i wonder.. How DO they choose? Any experience with Providian? I havent gotten any collection agency letters in at least 6 months! (My phone number that they had is disconnected)..

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