You should send a letter to the attorney who wrote you explaining that you are unemployed, recognize the debt and are willing to work out some monthly payment plan for your obligation.Ingoring the situation most likely will result in a lawsuit against you being filed which will cost money to defend. Since the creditor has already hired a lawyer, it does not seem that your debt will be forgotten.Most creditors appreciate when people who owe them money make attempts to make monthly payments to resolve the debt and when attempts are made, the creditor is more likely to be reasonable in payment terms. Your next plan of action should reviewing your finances to see what you can pay the creditor monthly.Good luck.