I am being sued by citi bank for a little over 12,000(from 2 cards) I already acknowledged the debt was mine and that I owe it, they got all my bank information and w-2's already. I own no property and am a student that makes a little over 1,100 a month bartending. My rent etc. is around 750 a month. What is going to happen when I go to court in a couple of weeks? I live in Louisiana by the way, the parralegal said most likely a lien will be placed against me but she was not friendly at all and didn't want to explain to me what that was, I can't afford a lawyer so what can I expect