lost job and unable to pay
I went bankrupt in 2000 due to financial difficulties. At the time, they told me I was unable to include my student loans. I started to repay my student loans but then I lost my job. I have currently $7000 owing and no income. The collection agency has sent me a letter and the government has sent me a letter to withhold my income taxes. I have had to move back in with my family but have no savings or income at this present time. Would the collection agency/goverment be able to press criminal charges? The reason I am asking is the collection company threatened me and said it was `fraud`. Is this a scare tactic?