I received a letter for collection for debt made on a business credit card. I sent them certified letter disputing that I personally owe the money and asked for proof and contracts and that all further communications should be via mail. I recieved 2 letters, one from original cc stating I should work with the collections agency, and second letter from collections agency stating call to arrange payments. I did not call and sent 2nd letter. They are now calling me, my mother, and a former employee who was an authorized signer. Should I send a 3rd letter? I can not afford the debt, should I just file bankruptcy?