I am so grateful for the replies you all have posted. Perna, thanks for the reassurance about the lawsuit only producing a "piece of paper." I didn't think they could take my SSDI, but I still was nervous. Splitimage, I will have to look into credit counseling and bankruptcy. I didn't think it was necessary, since I have no assets to protect. But I do have to protect my sanity. Eskielover, sorry for what you've gone through. Thanks for mentioning about "judgement proof." I looked that up, and was reassured that my SSDI should be safe. Chocmouse, thanks for mentioning about "statute of limitation." I looked that up, too, and it's good to know about. In my case, it's a few years off. Yes, Yoda, I see where, if I send them any money (which I don't have) it pushes back that date. Thanks, Shez, it is a big adjustment, but it has to be made.

This summons and pending lawsuit got be so upset yesterday. I guess that's what it is designed to do. I can opt to just do nothing about it. But I might file an "Answer" to the summons and go to court to see what happens. I wonder if bankruptcy can get rid of this debt after the court issues a judgement.

Thank you all for taking the time to respond. I feel a bit better today. I'm sorry for all that you've all gone through. It does show me that these things can be got through. It's not the end of the world. Hugs to everyone.