Best legal advice I can give is never solicit legal advice on the internet.
“Best legal advice I can give is never solicit legal advice on the internet.”
I agree with rudeboy.
Go to a local lawyer and get legal advice for your specific situation, consistent with your local laws.
I am NOI a lawyer, but I would like to caution you, that just because the debt is “unsecured” doesn’t mean they cannot collect it from you. That’s probably why you are being served, they can go to court and garnish your wages, possibly get money out of your bank account, if the judge orders it so.
See a local lawyer ASAP. What you don’t know CAN hurt you and no general legal advice you might get on the internet will be sufficient to take the place of the local, personalized legal advice that you need.
SInce it’s gone this far, go see a lawyer, he mi9ght be able to negotiate something for you, such as reduced payments, or a less than 100% payoff, but at this point you NEED a lawyer to represent you, not just give you general advice on the internat.