<human>: Can you provide a brief overview of the text?

Location: Montreal, Canada

First of all, I will admit I was an irresponsible young person using credit card as if it was disposable income. Now I am paying for it.

I have a credit card debt with VISA Desjardins of roughly around $7500. Currently, I am out of the country for a volunteer job in South East Asia so I have my parents opening my mails for me. How I got onto this trip is purely gift money and through fundraising.

I received a letter from a lawyer last week on behalf of VISA Desjardins asking for the minimum sum of $5500 immediately. The thing is: I have nowhere near that amount to give them and neither do my parents. There is zero way for me to send a certified mail to delay this nor can I afford a lawyer who can help me out. The lawyer won't budge for a lower amount or delaying until my return (in December).

What are my options? I really just can't afford to pay them back, I go back to Quebec in December and had already planned on getting my financial situation better until the letter arrived. This is just awful timing considering how eager I was to get my shit together.
<bot>: I was stupid with my credit card, got a letter sent from lawyer reclaiming the full amount, can't do much due to lack of money and being outside the country until December.