Suppose your net worth is $0, meaning you own no assets and have no money in the bank. You have racked up $10,000 in credit card debt and haven't made a payment to your credit card company in two years. The credit card company sues you, but in the end it receives $0 from you. Why? 

a Credit card companies are prohibited from taking legal action against cardholders. 

b You are judgment proof. 

c You and the credit card company have a surety arrangement with a third party. 

d The Fair Credit Reporting Act specifies that college students are not responsible for paying their debts until two years after graduation