So long story short, I lost my job 2 months ago and started a new one. However we are a bit behind on some bills, rent etc. I have a loan that i pulled out from one main financial years ago. The payment is roughly $400 a month. I've been paying on it for a few years and only have paid off 2% of it... I still owe 17k on it, or 11k if I pay it off in full. My credit is 570 so it basically sucks lol. I don't have money to pay the loan, they have been calling me for a few weeks nonstop. They told me the minimum I could pay was $185 but I need to put it towards rent. Should I just stop paying it? I don't have collateral tied to the loan. I don't mind if my credit drops more. I just don't want to end up in court and idk if one main would do that or send it to collections?