I'be been sick and am just recently recovered from a serious intestinal infection that had me in the ER twice in one week. So I neglected this whole issue, and the deadline for me answering the summons is passed. It was like 20 or 30 days that I had to respond.

Had I done that, as I should have, I would have been notified of the progress of the case. So I got to thinking that it was too late to do anything. Now, I'm not so sure. I hope to go down to the clerk of the court (which I should have already done) and ask what happens next. I know that my failure to respond can let the bank win by default. Then, again, since it is a legitimate debt, I figured that they would win a judgement against me, regardless of what I did.

I know that was me getting into a "defeatist" mentality. But I imagine that I might have some access to at least know what is proceeding, so that I don't only find out when something disappears from my checking account.

I am grateful for the posts here. I need to find the motivation to do the things recommended - like go to legal aid, go to the clerk of the district court, and go to my bank and ask them what exactly happens when they are notified about a lien against a customer's account. I just was sick and tired and depressed and have not been serving my own interests very well.