Legal Question in Civil Litigation in California

You might want to request documents such as the original enrollment agreement, all statements sent to you, all payments, all correspondence. See what it actually has so you can defend yourself. You might also have an attorney telephone the bank's attorney to see if anything can be worked out -- after you obtain the documents and evaluate them.

Unless there is something illegal in the documents, that gets you out of the debt, you really only have three choices: Pay the money. Let them get a judgment and chase you for the money by garnishing your wages, levying against your bank accounts, etc., or file for bankruptcy.