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She should go. Creditors will want to work out a deal rather than push her into bankruptcy. If she pisses them off by ignoring the subpoena, the willingness to settle will vanish.
She won't lose her stuff (unless it's something like a default on a loan for a car, in which case they'll get the car sooner or later). If it's a credit card debt, or a doctor's bill, etc., they'll likely find out where she works/does her banking and begin garnishing her wages. she doesn't need a headache like that.
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