I'm sorry that you are having to go through all this
Based on what you wrote, the creditors shouldn't be able to prove any fault on your side form becoming unable to pay the bills. They are trying to intimidate you but in the end it doesn't seem likely that they will win before court. I have been in a similar situation and had debt collectors sending me warnings after warnings. They stopped for now..I haven't heard from them in a few months. I wrote them that I had chronic medical problems, no income and no assets and I asked them to give me a suggestion as to how to give them their money
You might have already done that but you might want to check what the statute of limitations for your debts is in your State. Maybe it has already passed
Maybe you could contact a consumer debt lawyer. There are some who offer their services on a pro bono basis or at least the first appointment is offered for free. Here is the site of the National Association of Consumer Advocates : National Association of Consumer Advocates | Consumer Protection Advocates and Attorneys - Help for Consumers.
I hope things get better soon. Hang in there