I just recieved a summons. I am being sued for $4600. Lawyers fees interest and debt.
It is a credit card about 3 years since the last payment. I have had financial difficulty and quit paying all my debts. I wanted to file bankruptcy but never did. I am a student and didnt have the money. My total unsecured debt is probably close to $20,000. All deliquent by 2 or more years.
My questions:
I own absolutely nothing. I pay my brothers truck payment. I drive it but its not mine.
After I go to the firs court date, How long until the trial?
Can I still file bankruptcy after the first court date of the summons?
Should I contact the creditor and get the information on how they arrived at that figure?
What should I do?
Thank you!

