All of my bad debt is charged off. The bad debt wa
All of my bad debt is charged off. The bad debt was sold at a huge discount to the debt collection agencies. I have been called over and over every day for more than three years and all they get is my answering machine. My big question: since my credit is ruined and continues to be ruined, do I even need to consider paying anything to them? Is there a pro bono attorney I could contact to get a sympathetic judge to issue a court order forbidding further collection efforts?