Joey Caruso

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  1. So I received this letter from them yesterday. How should I properly handle these steps??? I really don’t have much funds to settle but I could see what they seek in return. I hope it the full amount. Would they try and settle for a fraction of the debt??? I only work 2 days out of the week and collect unemployment... what are my options??? Do do I go bankrupt or see if they settle??? I need answers asap. Unfortunately I received this damn letter on my bday so I cancelled my plans and will try and use that cash to help me out. Please. Please. H