You have an exemption in AL for personal property up to $3000 which likely includes the car. In addition, they can't get your social security check, it is exempt as well.

You will want to file an answer, you can get one by going to the clerk of courts where the suit was filed and if they don't have a blank form then ask them for a copy of one from a case where an attorney filed an answer and use it as a guide. They will charge you a couple of dollars for it but that way you know it is right.

Don't listen to what the collection agency tells you, they lie. Even if they get a judgment they probably can't collect anything. Just be sure not to put any money in a bank account other than your SS check.


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