There is always the possibility that your creditors can file a lawsuit against you for money owed (I suspect that the sheriff is trying to serve you with a summons and complaint) and a civil judgment can result against you.If you cannot get the civil judgment paid off, there is the chance that the judgment creditor can force the sale of your home to try and get equity out of it to pay off the anticipated civil judgment.I suggest that you consult with an attorney that practices in the area of consumer law to help you.