Answer: -Get a job even if you have to go to the temps. Then go into court with a payment plan all mapped out. Have the first payment when you go there. The judge will agree to your payment plan most of the time. -I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you. -You might consider bankruptcy if you do not own a home that would complicate the issue. A public record such as this does not look good on your credit and can cause issues for years to come. If you qualify for bankruptcy, you may have a chance at starting over to rebuild your credit. The first steps would include pulling a copy of your credit report, then speaking with a bankruptcy attorney. Do this as soon as possible. -Bankruptcy on $3000 in debt?? NO, in my opinion.If you have been served, don't miss the court date. A default judgment could occur.Every state is different and no advice should be given on what exactly can happen to you. No one can know with the information you have given.The companies want the money owed. Many time, payment plans or other options could be available. But again, no specific advise could be given. Just do not miss a court date if one has been set.