Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - It has been a year since I have not been able to pay on my credit cards in ohio.? - I am worried they will try to sue me. I have just got back to work after a year and making 8 dollars and hour. There is no way I can pay these credit cards. How long does it take for credit card companies to decide to sue and garnish my wages? Should I try to file bankruptcy? I really cant afford to do that at this time. -