Served Papers About a Judgement
I need advice. Yesterday I was served papers about a debt with a credit card company. It is MY debt. I was young and very dumb about my credit cards. Now they are catching up to me. I am broke. I honestly don't own anything. No savings, I rent, and my car is financed. I as of right now have 19 days to respond. I have NO clue how or what to do. I know eventually I will have to file for bankruptcy but I DON'T have the money to hire a lawyer right now. I am sooo scared and can't sleep. I know I did this to myself but I need help. I'm afraid they will take my car. Please help.