Hello. Barring some unusual circumstances which are not posted, it appears you are not facing jail due to a lawsuit for a loan. Such a lawsuit is a civil, non-criminal matter. Also, the sheriff's office makes 'civil service of process', meaning, serves people for civil lawsuits as a part of its daily operations. Oftentimes private process servers are used, but the sheriff's office performs that duty as well. Please do contact a private attorney for assistance and legal advice. Facing a lawsuit is a highly stressful event. If finances are an issue, some attorneys, myself included, will provide you with reduced fee for need. All the best.
You can't be jailed for a debt. The only time a civil court can jail a person is for contempt of court. If the paper served on you were an Order to Show Cause, then you would have to do something to avoid being held in contempt.
You will have a money judgment entered against you is you don't Answer the Complaint. You might have defenses that you don't know about, so it is worthwhile to consult any attorney who practices consumer law. The first question i would ask is whether this loan was arranged by the dealer, or did you get a loan and then go to the dealer? When a car loan is financed by the seller, it is subject to a four-year Statute of Limitations rather than the six-year Statute of Limitations that governs a loan directly from a bank. The statute of limitations typically runs from the last payment you made.
If you have been sued for a debt after the statute of limitations has expired, you can sued the attorney who brought the case under the Fair Debt Collection Practices Act.
No. You received a civil summons for a lawsuit - the sheriff simply served you with the complaint. This is civil, not criminal.
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