Quote Quoting LawResearcherMissy
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Typically, there are questions included in the summons. Respond to them truthfully, then show up for court on the appointed day (take an attorney!) and answer the questions posed in court.

When they see how little you earn, it's likely they won't even bother trying to garnish your wages.
Hi - this is a good suggestion. Thank you.
There are no questions. They've just asked to reply. The note also says I don't need to go to court, just reply within 20 days of receiving the summons. I also won't be able to afford an attorney so welcome any additional guidance. Thanks!