Got sued by Unifund, lost everything

I started getting calls and letters from Unifund about old debts I owed. They were offering to settle for much less than the full debt. I ignored them figuring nothing would happen. Next thing you know they have a judgement against me for 3 times what they were originally asked for. I still did nothing. Very soon, I found that all the money in my money market and savings accounts was wiped out, my wages were starting to be garnished, and there was a huge lein on my house. I lost my job because of the garnishment, and Unifund got all the equity when I lost my house. My wife and kids have left me, and I am now living under a bridge. I have to go now, as I am getting weird looks from the library patrons.

If they offer to settle, maybe you should.