The original creditor was Conn's who have sent this to a collection attorney. We are trying to build our credit back up and wanted to work out a payment plan. They sent me a letter in the mail stating that we had to send them $450.00 for the next 16 months to be paid in full. The original debt is $3747.55. They want $6852.01. I can't afford $450.00 a month with all my other bills and if i don't pay they will garnish my husbands check for $550.00 a month. I dont know what to do. Do I file bankruptcy and totally ruin my credit or is there any way to hire an attorney to work something out reasonable between both parties. Thanks for any advice you can give me, I appreciate it.