Warrant in debt

About two weeks ago, I received a “Warrant in Debt (civil claim for money)” notice.

I’m not familiar with these legal terms, and even after looking up information, I’m still unsure about what it all means, so I’m seeking guidance.

The notice has my name, a court date, and mentions a Capital One credit card debt I owe. I assume the other name on the paper is the debt collector. I owe around $5k on each of two credit cards, which increased by about $1k due to interest. The notice includes copies of my account details and a document labeled “plaintiff’s affidavit.”

I’ve had these cards for around five years. For the first three years, I had almost a perfect credit score, but over the last two years, my finances have gone downhill, and I haven’t been able to make payments.
I tried a payment plan, but due to other expenses, I could only make about four payments before I couldn’t keep up anymore.
I’m almost 25, starting school full-time soon, and will only be working part-time. I’m not sure what to do. I’m expecting to get about $1k from student loans and was thinking of using that as a payment, but I’m lost on where to start.
My court date is in September, and I can’t afford a lawyer right now. I’m willing to go to court on my own, but I don’t even know what to say when I get there.
What should I do in this situation?

Sincerely, as someone who opposes debt, these are my thoughts. I would probably take care of all that before applying for any loans, let alone moving loans. even if it means skipping a semester or two of classes. It sounds like you’ve already submerged yourself, but you haven’t stopped the faucet yet.

It was only a 1,200 loan, though, and I will receive my $1,000 back.

Can you take on more work?

I’m attempting. I’m making a lot of effort to get a second job. In order to make ends meet, I had to give up my apartment and move in with some friends.

File for bankruptcy, these bloodsuckers don’t want to help you, they are worse than any loan sharks Restart your life, file, and learn from your previous debt error.

When I declare bankruptcy, will they seize my car? I have never missed a payment on my car, which is the only thing I own, and I am terrified that they will take it. I’m anxious since the debt collector stated they would make a verdict at a later court date.

It varies. How much money will they really make if they sell your automobile in bankruptcy and use the proceeds to pay off the outstanding debt?

Usually not unless it’s something like a Lamborghini. One car is typically protected under bankruptcy code since you have to drive to work and because the car is frequently not worth bidding on. particularly in the event of a loan. If you have a car loan, you will need to handle it. It is not possible to pay off the auto loan and keep the vehicle.