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Law firm has been retained by boa in connection with the above referenced account

Joey Caruso

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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. Help me out!! I don’t have much time to respond


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