I have been disabled for the past 5+ years, and unable to work due to my health issues. Last year I stopped paying my credit card bills. I owe about 20k in total to various companies. I do not own a house, vehicle, or anything of much value. My only source of income is Public Aid/SSI/Food Stamps. I live with a roommate and pay rent and living expenses, which pretty much leaves me with nothing extra.
It appears now that I'm about to be sued by one of my credit card companies. In fact, it is one of the companies to whom I owe the least amount of money. The only letter I received so far is a Notice of Motion. They are trying to get the judge to make a "motion to post" because due to my disability I have not been able to answer the door so far when they have come to serve me with papers.
I thought about filing bankruptcy, but can't really afford to. What can they do to me? What should my next step be?
My other question for now is, should I send a letter to respond to the law firm right now? Or would it be better for me to wait and send it after they go to court to get the "motion to post" and then they leave me with the official summons?
Thank you for any assistance you can provide for me.