throwaway32
New member
I'm asking for advice. I have no idea what to do or what my next steps should be. I was involved in an accident and I had no insurance. She slammed on her brakes and didnt have a turn signal but the company did a crash investigation and deemed me at fault for following too closely and have i not admitted fault yet to anyone. After the accident I tried to get in touch with the individual and they refused contact so i waited until the insurance company sent me a letter. I called them to settle it out and they immediately referred me to a debt collector and wouldn't give me any more information. I called the debt collector and made 1 payment but never said or agreed to anything or signed anything, they put me on a weird program where I was making payments on my down payment for the overall debt which was at the time 11k. Told my bank and they recommended I get a new debit card and avoid the debt collectors so I did so. And nothing for like 5 months. Then I got a letter from a new debt collector saying it is now 17k. All the letters have said things like “ we believe you are responsible” you may be liable to pay” ect. I was never told whether the car was totaled or not and when sent an email to the insurance company they did not respond. The car I was in was new and the title had not yet been transferred in my name so the guy I bought it from said he got a letter saying the insurance company was suing me and him and he wanted to pay me 100$ to put the title in my name. When I asked for pics of the letter he kept making excuses and never sent it and I never received a letter about them suing me nor did he ever meet up with me to put the title in my name. I'm 19, have no assets, no income, and am a full time college student. The only thing in my name is a 1997 c5 corvette. Iv never used a credit card and have only paid for things in full with cash. I understand that bankruptcy might be an option