I received a call from a third party collections agency client services which apparently chase bank sold my debt to - with fees it was like 21,000 - all in all due to an undiagnosed bipolar disorder and the banks giving me 10 times the credit that I even earned when employed I prob owe about 70,000 that i don't have period. Have not worked since je and am in appeals in ssda. Spouse works but of course we are struggling as one income household - we have nothing jointly, not savings, ckng, cr crds, cars, etc. Everything is seperate or in his name except the house and that would not affect us