Michael J Scott collection :(

Recently I got a collection letter from the Law offices of Michael J Scott. I see on here he's pretty vicious and I'm not sure what to do. I took out a massive private college loan years ago, and was a victim of a violent crime and ended up disabled with a diagnosis of PTSD (Post Traumatic Stress Disorder) and currently recieve SSI. I'm also not quite sure if this qualifies as one of those predatory loan type things. It was a $30,000 loan (in hindsight not very smart... looking back I also don't get how in the world they even gave me that much... this was back in 2007 I believe?)

At any rate with interest the balance is now $47,931. It's not like I took the loan just to go blow a bunch of money, I had actually intended on following through with college, getting a degree and paying it off... but I can't help what happened to me.

I don't have the money to be able to afford a lawyer as SSI really doesn't pay much, I barely make it from month to month. I don't even think I have the money to file bankruptcy and I just really don't know what to do and need help! I get overwhelmed easy enough as it is with PTSD and I'm about sick to my stomach worrying over this.