I am being sued in local court by a lawyer representing a credit card company for a outstanding balance owed, with the last activity being 2 months short of 4 years. The amount I am being sued for has ballooned to over $3000.00 more than the original debt without including lawyer's fees in the lawsuit. I do not have any income at the present time and cannot work due to severe medical problems. I would like to know that if I lose this case and a judgement is placed against me by the court, can I still set up payment arrangements for small payments per month and can the court sheriff sale any of my personal property i.e. furniture, vehicles. I do not own any real estate. Until a dramatic reversal of fortune 4 years ago in April, I was in good standing with these 2 credit cards and always paid my payments on time or before the due date. Please help me... I have never been sued before and suffice it to say I am worried.
Thank you

After they get the judgement if you are not working they can't garnish any wages, if you have any money in the bank, they could attach it and freeze the bank accounts

Most places don't allow for the sale of personal property so that can depend on where you live.

Most likely they want the judgement so the SOL will not run out, hoping you will get money down the road.