Hellion,

Your situation is exactly what bankruptcy is for. There's no shame in it.

For anyone else reading this in a similar situation, I'm not a lawyer but I've investigated this extremely thoroughly..... and if you fought a collector in court, you are going to win - IF you haven't admitted the debt is yours.

Basically, if they sue you, you respond "I don't owe you anything, prove I do", and the reality is, legally, they can't. It's not the right forum to go into all the details, I just wanted to put it out there.