I'm getting sued because I have a debt I have not paid off..what happens next?

If you are able to pay off the debt, simply contract the creditor and do that. If you are unable to pay the debt, the courts will allow the creditor to garnish your wages if need be. Also, having a judgment against you shows up on your credit report for TEN years....not the normal 7.5 years for nonjudgmental debts.