I received a summons from a collection lawyer on a debt I got after building a house. The debt is for $20,000.00 which I can't pay because my husband lost his job and I am a stay at home mom with a two year old. We are considering filing bankrupcy. I haven't had the money to go see a lawyer to discuss my options but I am wondering what will happen to that possible lawsuit if I file chapter 7? Should I answer the letter which is almost 30 days since I received it? And how should I answer if I just can't pay?