I was wondering guys what kind of a advice you can give me on this. About a year ago or less I was experiencing serious pains in my wisdom tooth. I went to the doctor and they got it out. Few weeks later i got a call from collection agency stating that I owe $575 dollars to them. I said well I am unemployed at this point, and that theres nothing that I can. I told them that once I have any kind of money I would definitely payoff. What really got me mad was that my insurance company never notified me of my insurance cut off at the time I went to get my tooth pulled. I am currently 21 years old I live with my parents. I asked them for help but they have there own issues as far as bills and everything else. The collection agency kept calling me like almost everyday harrasing me. I finally told them, that I would give them my bank account which was a huge mistake. I told them to not take any money out because I have no funds in there. They went and started taking money out, electronicly and checks started bouncing. I stopped it very fast. They send me a letter threating me that they would take any kind of legal actions according to my state and federal laws. I got scared and borrowed 200 dollars from my friend paid that off then another 90 or so. My question is now that the payment is due in full of $285 and I have no job and I am a student what can I do. They called me and I was honest with them and told them that I don't have a job at this moment and that once I get a job, I will make my payment in full. I am so scared you have no Idea. I am not a criminal nor will I ever be. What is your advice to me.