3k is not that much. I would change my phone number, wait till you have income again, then swing deal. Make sure you get a written release on any payment made to the creditor.Ask a similar question
That's not enough debt to be filing BK. You should try to settle those debts for 50-60% of what you owe and borrow from family/friends enough to pay the settlement. It's certain they won't charge you 30% interest.Ask a similar question
There aren't any options. If you have no income, then you have no ability to make any kind of deal to settle the debts (borrowing money from friends/relatives is a bad idea, in my opinion). Even if the creditors come after you and sue you and obtain a judgment, what are they going to get? Nothing. You have no check to garnish, and I doubt there is much in the way of assets to seize. So, the judgments will just sit out there. Now, in the future, when you have a job, etc., you may want to see about settling it or filing bankruptcy (I agree that $3k is a small amount upon which to file, but it's all relative).
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Focus on getting some income so you can either settle it or set up a repayment payment plan. Of course they will continue to add interest, but what else can you do? Can you borrow $1,500 from somewhere and settle now at 50%. At $3,000 in total I don't expect these creditors will be in a hurry to run to the court to file their case. Even if they did, what do you own? Can take put a lien on your real estate property? Can they garnish wages? Do you have a stash of cash in the bank that can be levied? I suspect the answer is no otherwise you'd have paid them off. As far as the calls as soon as the accounts get turned over to a collection agency you can send them a cease and desist letter to stop calling you.
I am not YOUR lawyer. Don't rely on answers to questions as legal advice. For legal advice contact a Bankruptcy Attorney for a consultation. Tokarska Law Center is a Federal Debt Relief Agency representing individuals and businesses in filing for bankrutpcy protection under the U.S. Bankrutpcy Code. Kathryn U. Tokarska is a San Diego Bankruptcy Attorney, owner of Tokarska Law Center, 185 West F Street #100, San Diego, CA 92101, (619) 285-1992 www.sdbankrupt.comAsk a similar question