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Quite honestly, you may not like the answer you were given, but legally if you have this debt, then you have 3 choices 1) pay it, 2) file bankruptcy or 3) do nothing if you own no property and your only income is retirement income.
The reason I say do nothing is that if you own no property and your only income is retirement or SS or similar type income, you are what they call judgment proof. So if you stop paying and they sue you and you let them get a judgment against you, then there is nothing they can get from you as your retirement pay is exempt from garnishment or seizure and you would need to make sure your bank accounts are set up in the name of someone you trust so the creditor cannot cause you problems and try to seize the bank account. This can be a bit risky way to deal with this, but if you own nothing and that is your only income, then even if they sue you and get a court judgment against you they cannot collect from you so you can simply ignore them.
The only other alternative to that risk of doing nothing and just stopping to pay is bankruptcy and in many cities there are senior citizen centers who can refer you to attorneys to assist free or at low cost to you or you can go to the local legal aid office and get their assistance.
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