Don’t worry. We no longer have debtor’s prisons in America, thankfully. The prisons of revolutionary times are past history. It is not a crime to owe an ordinary debt and you won’t go to jail if you can’t pay.
But do pay attention to court orders and do attend any court hearings you are ordered to attend. Judges have contempt powers and will issue a bench warrant for your arrest if you fail to appear in Court when you are ordered to do so. The problem is not owing a debt, the problem is disobeying a court order.
Once of the advantages of filing bankruptcy is it puts an end to the debtor’s examinations by judgment creditors. You won’t have to worry about missing court dates and bench warrants. And, you won’t go to jail for filing bankruptcy if you are honest, and make full disclosure and play by the rules.