[mikefable]

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

[progunr]

You can probably expect to loose when you go to court.
You have no defense to not paying the money you have borrowed.
You could try to work out a payment plan prior to going to court, but, it sounds like you have little income to budget this payment into.
If they get a judgment, they can attach a lien to your home, if you are buying and not renting. They can also levy any personal property of any real value to be sold at auction, while this is not very common, it can be done.
If they get the lien on your residence, you will not be able to sell the property, without first paying off the judgment that they have attached to it.
You need a couple more jobs, and less school time to be able to settle this to your benefit.
Good Luck!

[mikefable]

I am only renting, I have no vehicle and understand the lien thing, I want to pay the debt but obviously can't afford it while in school, my next question is can they garnish wages now and when I get a real job after school take more, that's actually what I want but don't know if they will do that.

[ScottGem]

Yes they can garnish your wages up to 25%. If you change jobs they can then do the same at the new job.

[mikefable]

Thank you all for the responses, like I said I want to pay the debt. I want to have the payments spaced out over time though