Relax OP. A claim notice, if no defence is entered, allows the credit union, after 28 days after issue of the notice, get summary judgment against you. This only gives legal recognition to the debt. The CU then has to go to the district court to enforce the judgement ie try and get you to pay up, which typically involves trying to get an installmemt order against you. No judge will make you pay what you don't have. The sheriff won't be taking anything from you either. Get your PIP on the case again ASAP and don't stress over debt, there is help there for you.