the amount that im being sued is 2,800.13 from capital one bank
If Capital One Bank obtains a judgment, it can then garnish your bank account. They can also send you post-judgment discovery to determine where your assets and bank accounts are located. While I have not seen it happen in Texas, in other states people are going to jail for contempt of court for failure to respond to post-judgment discovery. You should certainly speak with an attorney about your situation.
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