Unfortunately, I cannot walk you through the proceedings. You’ll need to hire a local attorney for that. I can only answer your general legal questions.
If the creditor proceeds in court aginst you, then it may receive a judgment, which would generally entitle it to garnish your wages, put a lien on your real estate, and levy your bank accounts. However, if you have none of those things, then there’s not much the creditor can do to you (i.e., there’s no debtors prison). Of course, judgments can last decades if they’re renewed, so if you accumulate assets in the future, the creditor can still go after you. Because of that, you may want to consider filing for bankruptcy to eliminate the debt. Your credit will be destroyed … but then again, by the time the creditor gets a judgment against you, your credit is already likely to be very damaged.
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DISCLAIMER: Please be aware that only an attorney licensed in your state is authorized to advise you in legal matters, and that the limitations of this setting may prevent your legal issues from being thoroughly addressed. Accordingly, please understand that (1) by answering your question(s) I am not acting as your attorney, (2) my answer(s) should be construed as general information only, and (3) our discussion is not an adequate substitute for an in-person consultation with an attorney.