Hello! Need some advice here. I recently got summoned and I am being sued by Capital One credit card company. I owe $13000.00 (by the time they kept adding late/overlimit charges over the span of several months) I went ahead and responded to the summons.
Will someone please explain to me what will happen next? I don't have anything except my car, if a judgment is issued, does that mean they are going to take that? Should I be considering bankrupcy? Do I need to get a lawyer? I don't think I need one because I don't have any assets or money, but because I don't know the law, I want to be sure that I don't get into my legal ramifications due to my ignorance.
I feel so overwhelmed and I don't know how to handle all of this. Perhaps I'm making a big deal but I don't know what to expect and trying to get legal advice here is horrible.
Thanks in advance.