A debt collector is threatening to file involuntary bankruptcy against my husband for a credit card debt owed by a sole proprietorship of which he was owner. The business was registered in California, but is no longer operating. His last payment to the original creditor was in 2006. We moved to Nevada in 2008 after losing our home to foreclosure in 2007. We are living with relatives since we cannot afford to rent. My husband is retired and has no assets left. We subsist on his meager income from social security and pension. What are the consequences if he cannot be represented in an involuntary bankruptcy and if he does not respond? He cannot afford a lawyer to represent him if there is an involuntary bankruptcy case filed against him.