Just found out I received a summons for credit card debt next week, please help!
Read your post. You won't be arrested for this debt since it is not a criminal offense.
Right now, I feel you should thinking about insurance and focus more on job. How long will you live like this?
Since your mom is not the cosigner on the credit card, so her funds in a separate bank account are safe.
You should give a reply to the summons explaining your situation. Write there that you can't afford to travel.
Creditors can impose a lien on your assets or levy your bank account. But you said you have no assets and penny in your bank account. So Discover can't do much in this case.
After reading your post, I feel that if you're confused with so many issues, you can contact a financial adviser. Do you have anyone in your family or any friend who can guide you on this? Otherwise, you can take professional help.
Try to have a grip on your financial situation.
The only thing they can do in this case, when you get a job in either of those states they can start garnishing your wages. It's a bit of an embarrassing process as they will have to speak with your boss. If you don't get a job but find another means of income, any bank account tied to your name can be levied. If you ever get a car in your name they will put a lien on it. The same goes for a house. You should contact them through handwritten letter describing your hardship. If anything, bankruptcy has become a lot more strict but it sounds like it might benefit you.