Yes, they can. They have several options:1) If they sue you and get a judgement, they don't have to enforce it immediately--they have years to enforce it. So they can sue you, then wait until you're in better economic shape to act.2) If they sue you, win, and you don't pay, then if you don't currently have a job, they could still potentially--a) Put a lien on real estate you own;b) Levy on a bank account (have money taken from a bank account of yours);and/or c) Execute on personal property, like a car, ATV, boat, motorcyle, large-screen TV, etc.--that is, have it seized and sold for their benefit.