This is over one loan, which was taken out over 10 years ago. It's a non-government loan also, which is probably a good thing. It's already been passed on to a collection agency, and that's who filed the court documents. There's no court date, but we're supposed to "respond" within 30 days of receiving them. We called some place called the North Carolina Legal Aid Helpline and they said that since I have no income, and my dad does, and he cosigned, they're going to go after him. They told him he'd lose his house, all but one vehicle, and anything of significant value.
I guess my fear is not so much that they're coming after me. I have no money and nothing of value, so I'm not sure what they'd do there. It's the idea that they will go after my dad that's the problem. He filed for bankruptcy a few years back, so there's a little hope there that he can retroactively get his name taken off the loan. If so, perhaps I can file for bankruptcy. Of course, I have no money to pay a lawyer or anything, so I don't know how that will work out.