Hey,

  I was in the similar situation. From my experience, I will advice u to do following things.

- Ask original invoices from that agency about the damage. Find out if the real damage really was $36000. In normal accident, that damage amt is a big money.Was somebody injured????

- Tell that collectiion agency u are out of job ( if u work in cash) from last year. The only thing u can pay is $25-$50 a month which u will save from ur pocket money to pay them. BE STRICT IN THIS MATTER. TELL THEM THERE IS NO WAY U CAN MAKE 300 PAYMENTS ANYMMORE. Tell them u have borrowed enough money till now that no body is lending u any money. IF POSSIBLE DO THIS TOMORROW MORNING OR ASAP!!! Threaten them of filing bankruptcy.

- Find out if that agency is lawfirm or Collecting Agency who is collecting money from you??

- If its collection agency, you should be able to settel this case in 5-6 thousand. They buy debts from other companies on 6-7 cents per dollar. So if u insist then they will agree. You might have to threaten them of bankruptcy. If u file bankruptcy, they will not even get 5-6 thoudand dollar. I think u are student so u should not have assets for court to sell. So for them something is better than nothing.

- If there is no way u can settel the case and u have to pay that 30k then go to attorney and file bankruptcy. It will stay in ur credit for 7 yrs but u can improve it again after that. And it will beb smart decision of filing bankruptcy. It will take you at least 7-8 year to pay that money off. Filing bankruptcy will save you thousands of dollars and which u can invest it in ur studies or something else. U can focus in ur school as well. DONT PAY a single penny TO THAT AGENCY any more...They will suck u as much as they can....

- Mail me your no in my mail if u want to discuss in details with me in phone. I will give u a call back.