I've applied for N-400, and I am considering stopping paying on a few credit cards. I have had my green card for 9.5 years and I applied for US Citizenship last month. It appears it should take about 7 months. Finances are very tight right now. I have not yet been late on any credit cards (never in the past 9+ years), but I am trying to plan ahead and consider the repurcussions if I were to stop paying on a few credit cards. I recognize this would not be good for my credit, but my one and only concern for this question is my N-400 US Citizenship application. My thought process is perhaps one/any of the examples below could cause a problem for my US Citizenship application under the "moral character" consideration of the application?
1) Can late pays on any of my credit cards on my credit report affect my N-400 Citizenship application?
2) Can Charge-offs on my credit report affect my N-400 Citizenship application?
3) If a creditor or collection agency were to file suit against me for non-payment of credit card debt, could that affect my N-400 Citizenship application?
4) If a creditor or collection agency were to win a judgment against me on a defaulted credit card debt, could that affet my N-400 Citizenship application?
5) Will they ask me anywhere in the process or at Interview if there are any outstanding legal proceedings against me? If a creditor were to file suit against me in the next 7 months, I would have to answer, "Yes." Could that affect my N-400 Citizenship application?
Thank you in advance for your responses.