50k would be worth it

well, what would happen if you got yourself in debt, and put the 50k under your bed, made, opps i mean got made redundant, went to CAB, who wrote to your Credit card companies explaining the situation, and would they freeze the interest, and take a payment of £10 a month, as this is all you can afford as your not working, will they take you to court or try and bankrupt you , well if you made efforts to pay them back, who knows , get yourself a job and err well ..

just wondering , i wouldn't do it, not til my misses gets a good job, then we wouldn't need to do it