rr13, you are misinformed. But I think that may kind of be how you like it. Your level of literacy shows that you are plenty educated enough to know that a friend whose husband is a cop is not the proper source of legal advice. (For some things yes - like the law regarding the speed limit.) A summons from a court regarding debt actually means very little. (It just means that if you don't show up, you lose by default, which puts you right back where you were anyway - owing the money.) A lot of the law dealing with debt is Federal, as opposed to State. You filed for chap. 7 bankruptcy in a federal court, not a state court. Individual states have laws against credit card fraud, and you really have to be guilty of something extraordinarily devious to bring that law down on you. States also set the statute of limitations for when debtors can't be legally pursued. Nobody was coming to put you in jail. (If you hadn't been making car loan payments, they sure could repo the vehicle.) So you filed chap. 7 and you know the outcome of that. (BTW, the courts don't take the car. It's a collateralized loan. Look up how auto repo works before you say that. Tons of info on the Net.)

You are very wounded and you are finding life very tough. It's tough enough without making up false boggiemen. No one's coming to grab you and lock you up because you are 6 months behind in your bills . . . or 16 months.

But, okay, you value a good (or not so bad) credit rating and don't want to default. You have a right to choose your priorities. That's fine.

Be careful where you get your info. There is nowhere in the USA where states have instituted a "wait list" to get on food stamps. (There are wait lists for housing subsidies.) Getting food stamos can be delayed in some localities, but not for months and months. Federal law doesn't allow that. Some states are better than others at complying with federal law, but no state gets to do whatever the heck it wants.

You definitely don't have to listen to me, or your friends, or your family. (Though you listen fast enough to some dumb sources of info.) By all means, do what works for you. But ask yourself: "Is what I'm doing working for me?" If the answer is "no," then consider coming up with a different strategy. Doing the same thing, expecting different results is guaranteed not to work. That's not a rule I made up. That's just how life works.

Your parents let you down, as did your friends. Nobody has any compassion. Everyone, but you, is selfish. Did you ever meet anyone who was decent and fair towards you?