The card issuers may sue you for not paying off the balance you owe. It depends upon how much you owe and whether the Statute of Limitations (SOL) has expired (15 years in Kentucky). To avoid being sued, you should discuss lowering your interest rates with your cc issuers to make your payments affordable.
If you don't think you can negotiate with your creditors, get enrolled in a Kentucky debt consolidation program. The consultants at the consolidation company will communicate with creditors, so that they may lower the interest rates on your bills. Learn more...