So straight to the point, Several years ago when i was in college, i set up a checking account that must've came with a credit card. I, Unwittingly mustve used if for a small amount of time, and thinking i had paid it all off, tried to close the account. Well apparently there was still somewhere in the range of 30-50 dollars not yet paid off. Now, 3 years later, and basically no real income or employment in that time, a debt collection agency has contacted me saying i owe them almost $1300. I tried to arrange a payment plan that i could afford, but the representative on the phone said that unless i can pay 250 a month, i have to just wait until one of their lawyers contacts me. What do i do, the debts getting bigger each day!