Instead of gold, buy BTC, self custody it and leave the country.
Yes the credit cards companies can sue you, if they get a judgment, they can levy bank accounts, stock accounts, etc.
Not all credit card companies even bother suing and most will try to offer you settlements before it even goes that far.
If they do sue you, at least respond to avoid a default judgment. This will give you time to liquidate your assets from USA based accounts before you head out.
Even if the credit card company eventually gets a judgment, things like social security and VA disability benefits are protected. Also, your BTC in self custody is immune to seizure without your consent. Any money in foreign bank accounts need a separate judgment in the new country you are in. That costs more money for lender so not likely to happen.
Your credit score will go to crap. But if you move to a different country your USA based credit score doesnt follow you.
BTC has just confirmed it is in a Bull Market so .....