I hear you man. I drove my entire college life without insurance. I guess not everyone gets lucky like I did [knock on woods].

Anyway, now that we are already in this situation, let's look into some of the ways we can make it better for you. First call the agency and tell them u moved to TX and give ur frens address in TX to correspond. There are only two states in US that doesn't allow agencies to garnish ur wages moving into future. So, if you have TX address you will be safe from your earnings [direct deposits].

American laws are easy and are meant for both customers and service providers. Even if you deny to pay for the amount, there is no restriction for collection agencies to open new deliquent account when you get close to 7 yr mark range of ur record elimintion. Do some research urself, it's very important.

Bankruptcy option is bad. BTW, the duration for Bankruptcy is 10 yrs. So, let's see u are 23 now. and u say I won't pay. The accout will take at least 12 pay cycle to be declared as default account for you to start ur 10 yr cycle.

My best advise to you. Call one of those lawyers the add we hear all the time in radio and tell them ur story. They will negotiate on ur behalf. So, in the end just like people above are saying, they will negotiate for you to pay around 35-40% of total amount which would be around 10-12000 and for fee talk to them it will be substantially low then ur payment.

GoodLuck bro, do tons of research on ur own and always be armed and dangerous. This is the country where prople get cheated easily.