I officially feel like a ninny... Sonny your earlier post was clear!

Before you file for BK or pay a dime to debt collectors (not the original creditors--but if things have progressed to collection agencies) please do some research about your legal options. The Statute of Limitations on debt in NY is 6 years--rather long. A great resource of info is at the forums (free) at www.creditboards.com where there are experts that can help you. Make sure you mention the SSDI backpay if you post there.