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Hello, my name is ***** ***** I hope to answer your questions. When you say you were served papers it sounds like a lawsuit was served upon you? If you do not respond to the lawsuit they will get a default judgment against you. Once they get that judgment it will be reported to your credit (which won't much matter given your non-payment of credit cards anyway) and they may try to collect on the judgment. If you believe your house is safe they may try to garnish bank accounts but if you have none and have only social security for income, then there does not seem to be much they can do to collect against you. The worst thing would be is if they request a "judgment debtor's exam" requiring you to appear at court and provide documents proving your assets and income and if you don't appear for that a civil arrest warrant may be issued for you. You probably do not want that hanging over your head so if that ever does get filed, you should simply show up and show them your documents proving you are uncollectable. Hope that helps and good luck! Please rate the response to close out the question. Thank you.