| If you don't appear at the court hearing they will be awarded a default judgement against you. But, it sounds like you don't have a case to prevent them getting a judgement anyway.
As for your sister, tell her this is the 21st century, not the 19th. Debtor's prison was abolished during the 19th century.
Once they obtain a judgement, they can use it to attach any assets you have. This would include bank accounts, some investments, salary, etc. They cannot attach disability payments. If you have no savings and the only thing going into your bank account is disability, you can file a letter with your bank informing them of the source of the deposits and to ignore any attempt to attach the account.
The collector filing suit may or may not know of your situation. So you want to make sure to inform them. But they may be filing suit for future reference. A judgement generally lasts 10 year and can be renewed. So if you every get back on your feet and start working they can move right in and garnish your salary. | 
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