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 in response to tarotcura754...   

Just a guess, but it sounds like a collection agency you are dealing with. IF that is the case, their threats are meaningless.

"...these people say they will make a complaint to my local police dept. if i don't pay."

The FDCPA protects consumers against fraudulent practices by collection agencies. If that is the case, contact the FTC (1-877-382-4357) to report the people who are threatening you.

 in response to whoknew...   Hello "whoknew" and others in this community - I just checked out the 2 possible options you had send to me and unfortunately "Prosper" is not available in my state (Maine). The other site, modest needs, may be a future possibility but will probably not be able to help me by my deadline which is tomorrow, March 14 at 4pm EST. I will face a legal issue (i've never been in legal trouble before!!!) if I cannot pay this bill - in other words these people say they will make a complaint to my local police dept. if i don't pay. I have 2 young children at my home and I wouldn't want to subject them to this!!! Anyway, this was all due to a dumb mistake on my part and I can explain in confidence, to any party that is willing to help me... again i may be able to help in additional ways, as well as paying back the money, i have alot of experience in many areas of life, and i also sell stuff on Ebay (kids/women's clothing, household items) that I would be willing to donate to needy families. Thank you all again for reading my post!

 in response to whoknew...   Hello "whoknew" - no I was not aware of these sites... Thank You so much for telling me about it! I will try them... do have any direct experience with them??? any other info would be greatly appreciated! Thanks again!

have you tried modest needs or prosper?