Owe 12k to accident
Looking for advice guys so I owe 12k from an uninsured accident, honestly worst mistake of my life and I have full coverage now. This accident was back in like June and I had a recovery service sending me letters for awhile just like 3 or 4 and I ignored them, now almost a full year a law firm sent me a letter saying they were investigating the case and sent me a payment QR code and all that. I’ve read around here and it looks like ignoring them helps nothing so I’m asking for advice. I have roughly 8k which is everything I’ve saved up over the years. I’ve heard of things like them settling for less? People say if the debt is 12k they bought it for $900 or something usually so they would settle for 6k. Does anyone know anything about that or if there is a lawyer I could pay for that? I haven’t been sued before I’m only 20 and want help or questions is greatly appreciated. I don’t think getting sued over an accident would be good for my driving record so looking to avoid that if possible.