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.
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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.
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