Here's my tale of woe... Back in the day I had a lame boyfriend who didn't work. I ended up paying the rent three times on my Chase credit card before I dumped him and moved out of state. I didn't get a job or find a decent situation for quite some time and it went into collection and what not. Somehow a $2000 credit limit turned into a $3800 dollar bill. So now apparently an attorneys office has it. They told me I had to make 3 payments of 1200 immediately or they'd sue. I told them that was impossible and now based on some curse of luck I went to my fathers house and saw a letter from them containing a warrant of debt. The trial date is set for the end of july. I'm terrified. I've been paying the original creditor $25, 50 bucks every chance I get through bill pay and have yet for one to come back to me. Can this collector honestly win the full amount? I could pay the collector much larger sums of money now but it's like if they don't get their money in huge quantities right now.. then they're not willing to listen. What can I do? Should I talk to the collector again? I don't mind paying this at all! I just need like 6 months... although i hate the fact that over half of this debt is fees... please advise! Thank you!