Please understand, the court could care less what money you have NOW, they don't care you can't pay your bills now.
The evidence of your current income and bills are not even evidence that most likely will be allowed into court.
You need to prove you either paid them, prove the debt is not owed, or for some reason it can not be collected.
If they prove in court you owe the money, they will get a judgement, if you have nothing and are living on the street, they can still get that judgement. If that judgement would put you on the street, they do not care,
If they get a judgement, they could start a garnishment on your paycheck, attach money that may be in a bank.
So finding a way to settle, would be a wise thing to do. But if you can't, then there is little you can do
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