Pay off Bills

I need a loan of 2000 dollars to pay credit card bills! I don\'t have those cards any more but the bills have all gone to collection! They are telling me they want the money or they will take me to court to get it-i don\'t have court and legal fees either! I have learned my lesson and don\'t plan to charge anything again! Can any body help?? I can pay you back in monthly installments! If you can help please send me a text message to 585-309-3007! Appreciate any help i get!