i would definitely speak to a financial councillor. THEY will get hold of your credit history, and THEY can also contact all of the people you owe money to, and THEY can negotiate a payment plan or whatever it may be.

ive been there and done it myself. i bought a car ($20,000 loan) then had an accident (no insurance, $13,000) i was pregnant, so not working or looking for work at the time. my only option was to go bankrupt. i would never be able to pay all that money back!

for $3000 i would definitely see what other options there are!