DearCustomer- Although this is a serious financial problem you can't be prosecuted or put in jail for non payment. If you have no assets you may want to consider seeking protection in the bankruptcy court since it is unlikely you will ever be able to get out from under a debt of this magnitude. You will just use up all of your income making payments for interest and never pay off the principal.
Until the creditors sue you they can't proceed with collection such as garnishments or attachments so there's really nothing they can do to you at this point in time. There's no need to be scared since they can't do anything to you except make phone calls and write letters.
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