My fiance has $4000 in debt that he is unable to pay (this is from a school, they're claiming he owes for unpaid tuition). He makes between $100 and $200 a week and we have a child together. I make more than him, and all assets are in my name, but between me and him, we can't pay this on their terms. This is now a 3 year old case. We have tried negotiating with the school to lower the amount, but they refused contact with us and sent it to collections. We would like to get married next year and get this settled before then. Should he file for bankruptcy? Is it worth it over only $4000? Would a bankruptcy attorney be able to negotiate with the school for us? Any advice is appreciated. Thank you!