declare bankruptcy if u dont have money.

u wont have to pay a dime then.

even if u are in US, collection agency cant make u pay.. the worst they can do is goto court and get a judgement against u.. then they will/can seize your assets, bank account money, car, house, certain amount of money from paycheck..

your credit is already damnaged since its gone to collections.. but good thing with collection agency u can
negotiate the rate.. they might even give u 75% discount on total amount.. but u have to be ready to tell them your situation if u have no money.. they will rather take less money than no money...

trust me these collection agencies make big bucks from honest people that pay full price. they buy the debt for very very cheap.