My question involves collection proceedings in the State of: Massachusetts

Hi there -

I had a few credit cards and have debt amounting to $40K. The statute of limitations runs out in 2 years. I am in my late 20s and lost my job for a few years and had medical emergencies which led to indebtedness. I can't file for bankruptcy as I am a canadian citizen and looking to attend a graduate program, the private loans for which are given under the condition of no bankruptcy. I work part-time and earned $8k last year. I received a court summons and don't know what to do. How do I reply to it? They threatened to get a judgement against me if I didn't reply. I am an honest person and had I had the money there is nothing I'd like more than to pay the amount but I am in no position to do pay right now. Please advice. Thanks.