I don't think many attorneys will advise you not to repay your debt just because you decide that you don't want to, or because you now regret getting yourself into a bad deal. It is not clear from your question if you have tried to work with them or not. This issue of "what can they do to me if I don't pay because I can't afford to pay them any more" is not really the question you presented.
I agree with our Attorney Generals advice here:
This message is intended for informational purposes only. It is impossible to consider all relevant facts from a message board question. No attorney-client relationship has been created. Readers should seek a personal legal consultation with an attorney of their choice for the most accurate advice. I offer a free consultation by phone or e-mail.
Call me! I am an hour east of you.
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