I cant pay the bills . I have no job at this time , i don't own any houses or anything like that and i don't have banking stuff , like accounts , stocks , bonds , etc . . . and i live with my parents . I tried to work out a payment plan but they want more per month than i can afford . Bankruptcy is NOT and option , i cant afford a lawyer or the fees to file bankruptcy ! I don't know what they would gain by taking me to court and not accepting what i can afford to pay them each month . They already know my situation , no job , no house , etc . . . What will happen if they sue me ? And what if the judge orders me to pay a monthly amount or a settlement amount that i cant afford ? What will happen to me in that event ? Hopefully not JAIL ! ! ! Please help !And i cant afford to pay a lump sum settlement either. No point in asking for that. And i do have some credit cards that im trying to pay down the balances on so i cant use the credit cards to pay the bill or i will be in over my head with those bills.. Can a judgement affect my credit cards in any way? Since they have nothing to do with these hospital bills and im in good standing with the credit card companies.