I tried working the debt out over a year ago with the original creditor, now I have levies against two of my accounts by an attorney for a collection agency, no one attempted to negotiate or contact me. Anyways, I answered the first one, have a court date and the attorney set another one on my student account. Called an attorney and he said he had not answers for me. But I want to know what can be done. I have no money to pay the debt, live below poverty level, barely paying rent and food. The little I do have in my account was to pay for food, the investment account is set for 2013 to pay a balloon on government loans. I have a court date set and the attorney set another levy on the student account. I am told to answer the levy again and go to a second court date. Why cannot I not care for everything in one date? And what am I suppose to do if I cannot pay? I have had no money to pay for over a year.

What are my rights? Do I not have any? I feel like I am being harassed.

Not sure what advice I am hoping for but could use some help.

Thank you.