There is no question, not sure what you are looking for. Contact the creditor to see if you can work out a payment plan or settle it before the hearing.
Okay. Your inability to pay does not relieve your responsibility to pay. Nothing bad will happen at the hearing, you will not go to jail. You don't have to let it go much further, consult with a bankruptcy attorney to determine the best option tomresolve the debt and thereby releive your stress.
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