Legal Question in Credit and Debt Law in Georgia

It sounds like you received a summons and not a letter. Unless you act appropriately, you will likely lose a suit and then face garnishment. This would be a wise time to speak to a bankruptcy lawyer to evaluate all your options.

Make sure you, or your attorney, answer the lawsuit before the deadline. Otherwise, you will be faced with a default judgment. With a judgment, they can garnish your paycheck if they choose. It appears you cannot pay this bill, so you will either have to make payment arrangements or consult an attorney to review all of your legal options and rights.