I left two unpaid credit cards when I left the US in 2004. I am now applying for green card thru marriage to a USC in London. I do not know what happened to that debt, as I wasn't there anymore but if I have been served a summons and got a default civil judgment.
Generally, an unpaid debt, or even a civil court judgment, will NOT stand in the way of eligibility to become a Permanent Resident. It would be wise to work with an immigration attorney to represent you and your spouse in the consular processing steps. Some immigration law firms, including mine, offer legal services on a "flat fee" basis so that a client will know the total expense from the very beginning, and a few immigration law firms, including mine, offer an initial consultation free of charge.
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