So, to keep it simple, I'm in the process of waiting for a decision from disability. In the meantime, I have little to no income, and bills! Every account with respect to whom I owe money, has been great working with me, except one. Pay pal credit. Actually, they've been fairly good as well, but some issues with them. They absolutely will not work with me! Before I outline the details, and present everything here, is there anyone who would be able to help? I'm here because this has been so frustrating and on account of going from making fairly decent money, to less than $3,000 in the 2017 year, it's been really depressing obviously. Not contemplating suicide, but sometimes wish I didn't exist. Can someone help me with advice on how to handle this one bill collector? Thank you!