I just got another call from the debt collector

Now I don’t have until Monday to pay this debt. I now have to pay them $1981 immediately or they will take me to court to take my husband’s vehicle. What should I do at this point since I don’t have that much money and have no way of getting it. She told me I shouldn’t be feeding my baby or putting a roof over my family’s head if I couldn’t pay them. She said dh’s car is worth over $5000 and she would get it from us. Actually, with the body damage to it, it’s not worth $1500, but she won’t believe that. She also said they could make dh miss time from work to go to court over this. How much of this should I believe?