[monster]

Call back and see if you can get someone other than Snitty Mandy and instead of telling them you can't pay, tell them you want to pay but you can only afford $x per month, can they work something out to avoid you both having to go to court. And then get a job flipping burgers for a few hours a week to provide the money you need to pay.

The bottom line is, you took the money, you owe it, you need to pay it back and you need to do that in a way which will minimalize damage to your future i.e. never being able to shop on the internet (no CC), get a cellphone on a regular contract (no CC), get a house, car......