Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Collectors filed a lawsuit against me, what do I do now? - have several thousand Dollars in dept, and I couldn't find a full-time job in over a year. In the past year I made only $900.00 and I have my taxes to prove it. There's nothing more I'd like to do than pay my dept, but the Card Companies aren't making it any easier. If I had a job I could pay all of my dept in under a year, but I don't and now they're taking me to court; I did show up and the hearing is set for a couple of weeks. I'm 27, I live with my Mom and I don't own property or a car. So is bankruptcy an option? -