What can happen if I am being sued for an accident a little over three years ago?

You need to immediately contact a lawyer who either represents people injured by the negligence of others, or who regularly represents insurance companies for people who are sued for personal injury damages. You need someone who is regularly involved in cases for personal injury, on one side or the other. The statute of limitations for personal injury cases in Wisconsin is three years, so the plaintiff must have filed the case within three years of the date of the accident. A lawyer can figure that out for you. If the case was timely filed, a lawyer can give you advice about what to do, including the possibility of filing a petition for bankruptcy, depending on how you are doing financially, and what the potential damages of the case are. The bottom line, though, is to contact a trial lawyer as soon as you can. For example, an answer to the complaint with which you were served must be timely filed, or the plaintiff might take a default judgment against you.