Thanks so much, Yoda. You've been in similar situation. I, too, have both consumer and medical debt. I was keeping up with it. Then, I became unemployable and just couldn't. It happened rather suddenly, and it was unexpected.

Like you, I've told my creditors that I have nothing at the moment, but will try to work something out, if I regain employment. There are several creditors, and they seemed to be accepting the reality of where I'm at. Only one creditor is coming after me . . . for an amount of about $2000.

I really got very despondent about this earlier (just got the summons, this eve.) Now I'm lightening up. They can't get blood out of stone. People all over this country have had to walk away from debt . . . mortgages, credit card, you name it. It happens, and our laws are set up to let it happen. We don't have "debtor prisons" in this country. Unsecured debt, like this particular credit card debt, is a chance that the bank takes . . . for a high rate of return. They took a chance and they lost. Just like I had some investments that went bad in 2008.

When they've called me recently, they've said things like, "Are you willing to try and resolve this voluntarily?" implying that they have some other option . . . to make me pay up, involuntarily. I know this is a scare tactic they use, but I still talked respectfully to them.

I feel like calling them up and saying, "Go ahead! Sue your little hearts out! I'm sick . . . I'm broke . . . I've got nothing. You made me a loan that's gone bad. Suck it up." This is a big deal bank. They should have better things to do . . . more fruitful ways to apply effort.

I've got to give the medical people credit. I have thousands in medical debt. They've just decided to leave me alone.