Civil court, you do not go to jail for it. I may be wrong however, I have a friend in the bay area with an office that he runs to fix people's credit. He can stop the harrassment calls n boost your credit score to 700+ so that you can get a business or personal loan. Make that money n pay back or default again n he will wipe your credit n give you a fresh 700+ score again to get more money to try again.
With bad credit, no one gonna give u a loan. Without money to make money, one is stuck in the hole.
I can send you to him. Maybe he can delay time by stop these collectors from going after your friend. Going to court, the judge can order a garnish your wages unless you show proof that you are living in a budget and can only afford $25 a month.
Statues of limitation laws apply. They can not go after you after x amounts of years. What they do is sell your loan to another collector so the clock will refresh itself.
Play with cash n don't own anything. They can't garnish what you do not own. Get a trusted third party to buy your cars n stuff. You can still drive a car owned by someone else as long as the insurance covers you. Cop pulls you over say you borrow car n show insurance docs with your name as included in the policy.
You can live a rich life with no credit.