Hi, nobody. Thank you so much for this warning. It is very relevant. I expect I will get a tax refund, at least from the state I live in. I need that money for basic necessities. It will be given to me based on me being very low income. I want to do all I can to protect it.

I am leaning toward answering the summons, not to contest the validity of the debt, but to force the court to have a hearing and not do a default judgement against me. I wish I knew if that will make the ultimate outcome any different.

I do owe this money. But I am in dire financial straights. I truly can not afford to lose anything I may get. I mean, if other people can hold on to homes that they own, I am sad to think I might lose the few dollars I get back from my tax return. That seems so unfair. I wonder if I can appeal to the judge to render the judgement in a way that constrains execution so as no to impose real hardship on me.

There is something in the summons about mandatory arbitration. There is so much I don't know about this whole process.

Thanks very much for this warning.

I want to thank everyone again for giving me very relevant and practical feedback. I have no spouse or children. I deal with these things all alone. Thank you for helping me feel less alone. Last night I just cried. Today I am not so bad.