<human>: (I was recommended from the legal advice forum to post here 

I am ~$10,000 in debt to Well Fargo that I racked up through college and after trying to find jobs. I paid my bill every month on time for the last 6 years (since May 2009). I lost my job in August of 2014, spent my savings and accumulated more debt traveling to cities for job interviews. Finally, I was able to secure a job, but I am only making $1800 a month. If I do well at this job, there is a lot of possibilities for advancement because I have a BS degree and that is who they promote (and $40,000 in student loan debt).

I received a letter yesterday from a debt collector notifying me that they are now trying to collect the debt I owed to Wells Fargo.

I don't have any possessions. I rent a crappy apartment; my car is worth $1500 in mint condition (mine is in meh condition); I was robbed last year so I don't own a couch, TV, etc. I own my car, my computer, and enough clothes to pack into a suitcase. Really, I am the definition of piss poor...but at least I have a job.

I don't think I should ignore the debt collector, because they will just sue me. If I call them, I can't pay them anything.

The other thread mentioned that I should negotiate the $10,000 I owe. I don't even know how because I am fully responsible for paying that debt, and I intend to when (if?) I ever get enough money. However, how do I negotiate when I own next to nothing, I make next to nothing, and I can barely support myself right now?

Condense the text into a few key points
<bot>: I am broke with a debt collector attempting to collect a legit $10,000 loan. What should I do when I only make $1800 per month which covers my basic living expenses?