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

[Joey Caruso 0]

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