Consumer Protection Law
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If you do not respond to the Summons - and if you are not disputing the debt you do not have to respond - the creditor (Discover) will get a default judgment for the amount they are asking for.
Since your only source of income is SSI and disability, unless your car is worth more than $2,500 (after subtracting the balance of the car loan) there is nothing that creditor can do to you, even with a judgment.
Additionally, if all the money in your bank accounts is from SSI and disability, creditors cannot garnish those bank accounts. However, if there is any money in those accounts that is not from SSI or disability, those accounts can be garnished. Also, if all the money is from SSI or disability, you should inform the bank - in person and in writing so you have proof - that they should never allow your account(s) to be garnished because all the money is from SSI and disability. If you don't notify the bank, they will not know all the money is from disability (even if it is direct-deposited), and your account can be garnished.
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I will make sure I inform my bank thanks, XXXXX XXXXX if my car is worth 5k and I only owe 700.? ...should I still try to save 1k to file #7 to keep it or what happens if I go into default on the car ?
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Yes - a court date will be set, and you can use the exemptions now without filing a Bankruptcy.
Here is the complete list of property that is exempt (protected) from collection to satisfy judgments:
This is the list of property that is exempt from collection for judgments and also the property that would be exempt (protected) if your did file a Bankruptcy.
In many areas a sheriff serves civil papers. If this were a criminal proceeding, they would have arrested you.
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