I receive a summon Sallie Mae is suing me. I have been out of work since October of 2007. I made a payment during the time I was working. I was in a bad car accident that has cause my illness to get worse. I'm currently going to physical therapy but I can't walk a simple block without pain. I also have moderate rheumatoid arthritis. I have herniated disk basically I deal with pain on a regular basis. I try to talk to them but I usually just end up getting upset. They even stated that I own a daycare. I have never work or own a daycare. However there is one in town own by someone with the same name as me. I have other loans but they have been consolidated into one. Im attending school again to see if I can go into a different line of work. I was wondering how do I write a pleading. I can't afford a lawyer. Thank god for my family if I didn't have them it might me make suicidal. I don't know what to do in this situation. Can they send me to jail because I can't pay them. I can't work and the only income I have is my kids disability. I applied for disability. Please help I'm scared and really don't know what to do.