If you receive legal documents from a process server, or in the mail, do not ignore those documents. If you ignore those documents the creditors will take a judgement against you by default (this means you give up your day in court).
The next step after the judgement is obtained is finding your assets. This also can be accomplished by the creditor sending out post judgment discovery.
This is paperwork where you must disclose assets and employment to the creditor. If you do not fill out this paperwork the creditor can set a court hearing and a judge can force you to disclose this information.
If you think you can avoid the hearing, think again. If you do not attend this disclosure hearing the judge will hold you in contempt of court (resulting in a bench warrant).
If you have a bench warrant issued, and you get pulled over for a speeding ticket, they will bring you to jail until you either post bond or fill out the disclosure paperwork.
This can be problematic if it happens on a Friday, and you cannot post bond. You could potentially spend the weekend in jail, because of the bench warrant.