appearance before court commissioner

At worst, you could be arrested and fined or imprisoned for contempt, and you'll still end up having to go before the court commissioner, so please, don't skip this appearance.  As embarrassing as that will be, I can all but promise you that this would be your least embarrassing approach to the situation, as well as the least expensive.

All you're likely to have to do, here, is give sworn testimony about your assets and income, for your judgment creditor's use.  You have to answer honestly, but if there's no money in the bank, there's nothing much anyone can do about that.