debt - i have no job and no money and no fixed address

re: debt - i have no job and no money and no fixed address

For now they will not be able to collect even if they sue you and win, so you have some time to work on solutions and find a job etc.

i have no job and no money and no fixed address... bill collectors are calling me constaly..(my parents) and i had a visa 5 years ago and never paid a cent on it. I used it for my rent..i had some issues with substance abuse but i am now out of rehab. will ihave to pay money or should i claim bankruptck