That stinks. I defaulted on some loans. Two I owed less than $100 but this was at a time several years back when I was financially irresponsible and could have made small payments but didn't. I owe several thousand in medical bills and I pay $25/month but I totally understand you not having any extra $$ to pay toward what you owe. I defaulted on a ~$8000 loan and when the collections called I told them I was no longer employed and if I found employment I would start making payments. They seemed fine with that. Which is true, I am finally well enough to work part time, I think.

But a summons? Wow, that sounds scary. That never happened to me. All you can do is say you were working but at this time you are unable to work and hope for the best.

Maybe someone has better idea than me. Sorry this is happening to you.