Holy shit - sorry dude, collection agencies are the WORST.
Some cities have cheap legal counsel places for us poor people... but it sounds like you can afford a lawyer? At the very least, you can just seek counsel on the matter and decide whether or not you want to continue trying to deal with it yourself. In that case, if you have to pay, set up a payment plan with the collectors.
Really sorry that I can't offer more advice - but here's LOADS of sympathy. I hate collectors. They are the angels of misery.
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Uh huh her.
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