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I was in an accident on Jan 7th 2009 of last yr which was my fault. On Jan 6 of this yr I get a letter saying that the other party is suing me (didnt state amount) AND her own insurance company which she had underinsured coverage with. It gave me 20 days to respond. I have nothing, no house car, savings nothing. I am 21 and trying for my disability. If she sues me and gets a judgement am I able to file bankruptcy on it? Should I even respond to the paper? Thank you.