I understand that receiving court order papers from a debt collector can be an overwhelming experience. It is crucial to take action as soon as possible to protect your rights and financial well-being. You have a few options to consider at this stage: File a response to the case: It's essential to respond to the court order within the given deadline.  A timely response allows you to present your side of the story, dispute the debt if necessary, and potentially negotiate a settlement or payment plan. File for bankruptcy: If your debt is unmanageable and you believe that filing for bankruptcy might be your best course of action, our team can discuss this option with you. Bankruptcy can provide you with a fresh financial start and deal with this and any other debt.  If you would like to speak to one of our lawyers in a free, one-on-one confidential conversation, please contact us at robinsonandhenry.com/locations or call us at (303) 688-0944 and we can assist you.