John, This is a bit outside of the scope of our website. I would recommend you to start from contacting a collection agency and discussing this situation with them....                                    
                                The instrument presented was either declined by the processor or bank, or it can't be used for this payment.
Try again later.
(a) You made a typo in the card number, CCV code, expiration date, name or address;
(b) Your card balance is too low;
(c) Issuing bank has declined this transaction for some other reason related to your account.