Scott, please read the following article.
This is where you will be at if the current bill goes through. It will mirror the system in Oregon.
If you want to beat the system, try this little didy. All you have to do to keep yourself legal is attempt to pay on these bills. So just send $1.00 and tell them you cannot afford to pay any more. They cannot legally go after you because you are making an attempt to pay. If they are smart, they will then write your debt off as a bad debt expense.
I will be praying for you and Reni to get better. God Bless.