<prompt> Human: I owe 4000 to Citi. It is from one card that was closed last year and sent to collections. I got a letter in the mail telling me that I have a court date for the debt. My situation as of now: i am totally broke. 50 in the bank. No assets at all. No carhouseanything to my name. No source of income. 60000 in student loans. There is no way I can pay the card back right now. Even if they rule against me, i have no money to pay with, no future wages to garnish, no assets to seize. Ive been told that in this situation, I can expect some jail time if they rule against me since I cannot pay the debt. How likely is this. Realistically, what can I expect during my court date? The debt is in collections and one of the collections agency would settle if I pay 1200 in full. Should I try to scrounge this up nearly impossible right now but I have 2 months before the court date and pay them? Or should I just go to court and be honest about the situation right now? I also cannot afford a lawyer, obviously. What should i expect during court?Any advice welcome. Im in MA btw  <response>: Ive been told that in this situation, I can expect some jail time if they rule against me since I cannot pay the debt.Who told you this? If it is the debt collectors, that is a serious violation that you can sue for. If you have any evidence of this you could earn back a chunk of what they are suing you for. 