Why not try to work out the bill with the creditor by paying a small amount? If you need to file bankruptcy you are going to have to pay for that too.
The answers given are limited to the facts as given and presumed by the answer itself. Without seeing actual written documentation or having a conference to more fully explore the issues, this short answer has only limited application. Make sure to seek legal counsel and provide all documentation to get assistance in making informed legal choices. Bstein@dcfsz.com, 305 377 1505
I agree with Mr. Stein.
Pre-trial negotiations are best and tend to save everybody time and money. Is this in small claims? Bankruptcy is an option but does cost, although depending on your income you may be able to get the fee waived.
If your finances do not permit, you can go to Daytona Beach (on Orange Avenue I believe) and speak with legal aid. An attorney there will advise you but will not generally represent you.
Depending on the debt load, ultimately it may be in your best interest to hire an attorney.
Best of luck.
DISCLAIMER This answer is not legal advice nor does it create an attorney-client relationship between any user/reader and The Law Offices of Jimmy Allen Davis, P.L.. We encourage and welcome you to contact us about your legal problems and visit our website at www.lawofficesofjimmyallendavis.com or email me at firstname.lastname@example.org.