ARGH

I'm starting to believe I'm fucked.
Seriously. Not being able to pay the debt is not a defense. I think I have a defense, but no real proof.
SO WTF?
Do I just let them garnish my wages and pay less ultimately or do I fight it and potentially have to pay their court and attorney costs on top of the debt?
And should I have just fucking called them originally and set up payments for less than I owed?
How do I not know any fucking lawyers? I need a lawyer friend please.

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