Because I'm a single mother an if they garnish my wages I won't survive the reason behind the law suit is 2 cars got repossessed one because I lost my job at the time an 2 I was trying help my daughter who was in college an just got behind I'm human it happens n people like this being greedy an not thinking about peoples livilhood please help
Find a competent bankruptcy attorney who can get this resolved for you.
You need to call a bankruptcy lawyer. Filing bankruptcy will help with all the issues you mentioned in your question.