owe debt but no way to pay

First off, I'm not a deadbeat. Some of these people refer to people as deadbeats for not being able to pay debt and they have no right, their situation is most likely totally different from mine. I was trying to get a decent job for a very long time but all are just minimum wage, i was forced to move home because of a car accident and my gap insurance didn't cover the remainder. I'm sure this is what ARS is calling about. I DON'T HAVE THE MONEY!!! My family doesn't have the money! I'm working a minimum wage job a few days a week and taking care of my sick grandmother the other days! I am far from a deadbeat. I'm trying to get my life back in line and if i pay this money now, there is no way in the world I will ever get my feet back on the ground. I have goals set to get back in school and get a much better job. This Frustrates me!!! If they garnish my wages, they are taking the little bit of money I am surviving on. Esp when the Gap insurance was supposed to cover the wreck. I avoid these ARS people at all costs because I will not be talked in circles when I'm at a breaking point as it is!!!!!! I understand they want their money but I DON'T have it!!! I have all intentions of paying it, WHEN I HAVE IT!!!!! If they will back off and let me get back in school, move back to the state where i lived before and get back to the work I was in before, then i will be able to pay! Until then, they aren't getting anything from me!!!! If they do take the little bit i have they are more or less killing me!
Thank you for your time!!