Legal Question in Credit and Debt Law in Georgia

Debt Collection

A little over a year and a half ago I became very ill. I am in stage 4 renal failure with cysts in all my major organs including my spine and hips. I am constantly in a great deal of pain. My doctors put me on a VERY strong narcotic analgesic that is much more powerful than Morphine. I guess i lost my mind and charged three of my credit cards up to almost 20 thousand dollars. One alone is about eight thousand. I did all this in a very confused and depressed state of mind, using the internet for a catalog. I am telling all of this as means of an explanation not as an excuse. Up till now I have avoided all attempts to contact me. I am on a very limited income (SSI) and can not hope to pay these debts on this amount since I have to pay a good bit each month for medical reasons. The rest goes to very meager living expenses. On July 8th I received a letter from an attorney located in Georgia who has given me 10 days to pay this or action will be taken. I intend to write him and tell him the debt is not mine in an attempt to slow down a law suit. The only thing I own that would get me out of this is the house I own. Is it to late to file bankruptcy? Is there any thing else I can do? Thank You!!

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