My question involves collection proceedings in the State of: Missouri.... I have a loan which I cannot repay. Im on disability and have been so since 2001. There are options to repay at this time. It has now went to a collection agency. The amount is 22K. I spoke with the bank a year ago informing them of my situation. They gave me a monthly amount to pay which was very high. I told them it was impossible. Conversation ended. So, this where I stand.... Bad debt.. Thanks

