hello, i read your message online. I know that its been 8 months since you wrote that, but in most states the law is that as long as you pay something-as long as its at least 5 dollars every 28 days-they cannot do anything to you. they can send you harassing letters, call and harass you, but they cannot sue you as long as you pay something. my mom paid 5 dollars a month when i broke my arm and they sent harassing letters, and phone calls, but they cannot do anything to you. just make sure that they have the payment in their hand and you get a receipt or something saying what day you paid and how much, and keep ALL of them together. I recommend going to the Post Office and buying money orders. They can be traced for as little as $7 and they can even tell you who signed them to get them cashed. I hope this helps you, and anyone else who reads it. Good luck to all. I know how you feel. My husband lost his job 3 weeks ago. Money is starting to get very very tight.....just enough to pay the bare necessities............