Thank you in advance to anyone who can help. I am in over my head and don't know what I am doing.   I have been unemployed since 2009, lost my home and virtually everything I own (other than my car and my clothes, I have nothing), I have no income, I live on food stamps and in a room provided by my 75 yo father (I am 53), and am now in a lawsuit for debt collection (from a junk debt collector who bought the account) in California. I have to have my car or I have no way to get groceries or go t