@DigitalBlue Hey everyone is human.
Anyways. This would be a small claims matter I’m pretty sure, so I doubt you could get anything more than civil punishments (money). They would garnish wages but if you don’t have any they obviously can’t. They could put a lien on items you own, but it will take them some pretty significant time and effort to do so… but if you aren’t trying to pay them they will almost certainly try.
My honest advice would be to call the company in question, and tell them of your situation. Now be careful when you do this, because they will take everything you say and keep it on record for any future court dates… it would be worth writing out exactly what you want to say ahead of time, and possible answers to questions you expect.. and even rehearsing it before calling… and if it all possible record the conversation (I know my cell phone has a recording option so I will record calls with it on speaker phone).
You may be able to work out a deal with the company. Many times a credit card company will take a significantly smaller pay off, or reduce the overall debt and payment… at a loss to themselves, simply to save a bigger loss of having to take you to court.
I would also look into debt counseling/help/aid companies in your area. There are usually many that are non-profit that are set up specifically to help people who’ve fallen on hard times and can’t pay their monthly bills/debts in this regard. They may be of some significant help here.