I live in SD and became disabled. It took 2 years to get and then 10 months from then to get it straightened out. My husband went on disability (both of us permanently disabled)We had no income for 2+ years relying only on assistance and still receive assistance. We have received many unpaid bills, both credit cards and medical. Many have exchanged different hands for collections and some are filed in court. Sheriff knows we have no assets. Capital One has now turned case over to law firm that is a debt collector in our state stating they will advise their client to proceed with a suit. Do I respond to them and with how much information. Do I give them a copy of disability, how much I receive and do I give my husbands' too? As we live check to check, on assistance, cannot afford debt consolidation, plus medical continue to come in nor can afford bankruptcy. Fact is, we don't even know who we owe anymore as there were so many medical, drs., hospitals, etc. and some have been put into dead file. Having received so many notices in the past, ignoring, (sent letters originally to everyone that I could account for), just had bad vibes with this one. Thanks for any input.