I do not know what to do??????? HELP PLEASE

[nelestjulval]

I have a problem with my American Express credit card.
When I realized I was getting behind on my payments I decided to enroll myself in to a consolidation program.American express didn't accept the amount offered by the consolidation company so they requested a much higher payment in order to aprove the consolidation program,wich I wasn't able to pay so they sent it to a collection agency after a couple months the collection agency stopped the calling and now I am recieving calls from a law office.
I do not know what to do or expect? I do not have the money to pay them and the total amount now is around $ 3100.
Can you guys help me with a good advice.I do not know what is going to happened

[seniorjudge]

I am sorry you were scammed.

The only way I know out of your problem is either to pay the bill or file bankruptcy.

[Antigone*of*Greece]

When you get served, make sure you show up for court.

You might want to call the attorney's office and see if they will negotiate a payment plan with you. If you don't ask, it is an automatic NO.

Also...stay away from debt consolidation companies, as SJ stated they are scammers.