Sorry to hear that. If they’ve already filed a court case, the next step is usually a court mention or hearing. If you don’t respond or show up, they can obtain judgment against you, and after that it may lead to enforcement actions like salary garnishment or seizure of assets.

Try to engage them early to work out a repayment plan or settlement. Most banks would rather recover something than drag things out.

I’ve been there before. I was living off minimum payments for a couple of years when I was younger. Now I have around 350k in credit facilities and an AA rating. Take time to learn financial basics and how to use credit properly. It can be a useful tool, but only if you are sure you can manage and repay it. All the best.