Thank you for your reply, Kathryn, and your additional information,
"Do I HAVE to appear in court or is there another way to handle this ?"
A Subpoena is the equivalent of a Court Order which has to be obeyed and if it is not obeyed, the Judge can hold you in Contempt of Court, or he can issue a Bench Warrant for your arrest.
When a creditor sues a debtor and the debtor does not file a responsive pleading, here an Answer was required, everything which the Defendant does not deny, is deemed admitted and if the Defendant does not appear at the hearing the Plaintiff creditor obtains a default judgment against the Defendant. Once the creditor becomes a judgment creditor, he can compel the Defendant to disclose their assets so that the judgment creditor can seize them to satisfy his judgment.
If you did not appear at the hearing, and the creditor obtained a default judgment against you, you can try filing a Motion to set aside/Vacate the judgment and set a new hearing date so that you can present your defenses. Or, if the time within which to file an appeal has not expired, you can file an Appeal of the judgment. But, in the meantime, you should obey the Subpoena so that you do not have to face bigger problems,
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