In a similar situation
I ran up $16,000 for dialysis, which I was unable to pay, it went to a collection agency. They threatened to take me to court and place a lien on my house with a 10 % interest rate and associated legal fees. I offered to pay $9000, which they decided to accept. I got my fanny out of the frying pan this time but I'm sure that eventually I will end up in collections again. Rigth now I am considering transfering my house to my mother, who will tranfer it to my sister. As much as I hate doing that, I would hate even more knowing that when I die my gfriend would be asked to leave the house and it would be sold to pay my debts. Good luck with your situation
