Legal Question in Credit and Debt Law in Florida

Eventually, they may start an action in court to collect.

If you are head of household and on a limited income, you should try and negotiate with them by them reducing any extra charges or fees or tell them you are head of household with limited income and if they wish to pursue to get a judgment go ahead. The fact is they probably will not be able to with the above situation. You could also speak with a credit counselor on consolidating your bills so that you pay one payment a month at a much lesser amount.