Re: Summoned, what next?: AZ
re your question on the judgment - if they get a judgment against you, they can seize all non-exempt assets, garnish wages, etc. (whatever is legal in your state) Even if you have no non-exempt assets or wages at this time, if in the future you do, they can come after them. re the bankruptcy, do as the other posters suggested & talk to a bk attorney & see if that would be the best option for you.
Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.