Legal Question in Credit and Debt Law in California

Re: What would happen if you're working and you don't or can't pay your credit c

There is no statutory consequence. You simply are a deliquent debtor and according to you agreement with the credit card company, may incur additional charges for penalties, and/or interest. There is some question as to whether the penalties are enforceable, as the courts are fond of saying, "the law abhor a penalty," and regularly refuses to enforce them.