Mathepacs advice is good.
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1. Write to Crosskerrys and state you can,t afford to repay and have an appointment with Mabs to do a proper income v expenditure statement.
2. Ask them to defer the case until you get that to them.
3. Tell them you would love to be able to repay and that you know and accept you owe Boi.
4. Enclose copies of some wage/welfare slips to give them a quick idea of your position.
5. Once you present an honest Income v Expenditure the judges will be fair, you will not be asked to repay too much.
Do NOT pay any more than you can realistically afford , remember if you can afford NOTHING then that is what you do.
At worst Boi get a legal judgment that you owe money (you don,t deny that)
Court is very intimidating , but in fairness they are not out to frighten you.
(Remember there are a lot in the legal profession in stir over loans! so they know the story)
What you will get is a closure.
If at future time you come into funds you will have to repay the debt.
Keep copies of everything you send.