I received a summons from a sheriff earlier this month in Pennsylvania. Through some bad advice I did not respond in the 20 days that were given me to respond. How quickly can I expect a judgement against me? Do I have time to file for bankruptcy before any of my property is taken? I don't have any money to pay as I have lost my job and am making significantly less money and can barely afford to pay my bills. If someone could explain how these judgements work, and possibly give me some sort of timetable as to what I can expect I would appreciate it. I live in Pennsylvania, and I know there aren't many exemptions for these types of judgements. I know that I will get responses telling me to see an attorney immediately, but I can't see an attorney until May 18th as I will be out of state. I am hoping to get some advice on the speed of these judgements. Will I be expected to be in court sometime before May 18th? or can I take care of it when I return. If anyone has any advice I would really appreciate it, I am very worried about this.