Alright, let me spell this out one more time, for everyone:
Since you're working on a 1099 contract instead of being a W 2 employee, your income isn't usually something they can garnish in the normal way. That's because garnishment is usually about an employer holding back money from your paycheck. But, creditors can still get court judgments and might go after your bank account, put a lien on your property, or try other ways to collect, depending on where you live.
It's super important that you answer the court and explain your income situation. If you don't show up, the creditor could get permission to garnish or take your stuff without you having a say. The main goal here is to try and get this dismissed. You could also try to work out a settlement or a payment plan with them before the hearing date.
That part is totally up to you and how you feel about your relationship with Chase and all that.