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In 2006, I took out loans for college. I graduated in 2008 and have not been able to pay them back - I'm now being sued. I was summoned in CALIFORNIA where my mother lives (who's also CO-SIGNOR) for the debt (I live in Illinois). I don't know how to proceed. In my mother's defense, we let these loans fall by the way-side. She has consistently paid my other loans for the past 8 years but after a while they started to get away from us. I have not been able to find work since 2009 and I was having a hard time dealing with this suit. So...I did not answer. I was not in the state of California and I recently filed bankruptcy but my mother has received a request for default in her name. How do you go about handling this default if it is approved by the court? We have to avoid garnishment.