Can debt collectors go to court if you have no money or have never had a job before? Can they legally add $90 interest per month?

Settle the overdraft fee with the bank and tell the debt collectors to go to hell.  You have no contract with the debt collectors and you are not bound by their charges.

 yes

 and be aware there are 2 kinds of debt collectors

1) the are working for the people you owe money to

2) they have bought the debt from who you originally owed it to (in your case the bank)

  in THIS case you may well have owed the BANK 80.79  BUT the the people you NOW owe the money have added THEIR fees (and any interest) to it

your mother is wrong - how much you got does not stop them suing for what you owe. SURE they may not get their money back but If they come after you and win - sure they may not get their money back - but it will sure f//k up your credit rating

And remember- THEIR costs and the costs of taking you to court will be ADDED to the amount you already owe.

  you could well finish up owing thousands on what was originally a $81 debt

(If you pissed me off and the cost of suing in small claims was not too much I sure would come after you to ensure you got f//ked up, and if the debt high enough I would have you made bankrupt to REALLY f//k you up)

yes they can add interest but their fees in chasing you will be far more than this

The bank is NOT telling you what you "need" to pay . ALL they have told you is how much you owed THEM but they have no idea what you owe NOW  and what the interest rate could be (all you got is their OPINION)

the moral with ANY debt is- DO NOT IGNORE IT

  Just think - you are going through all this and its potential consequences JUST cos you didnt repay the original 80.79

I seriously doubt that you are a minor for a number of reasons. That aside, yes, you can be sued at any time by anyone for pretty much any reason, regardless of your job status. The debt collector is. Or concerned with whether or not you have a job, they can sue you, get the judgement, and then basically be sitting there waiting for as soon as you do get employed to garnish your wages. You don’t get charged $790 in overdraft fees in a single month, how long did you ignore this issue? Also, you don’t indicate anywhere $90 in interest in a month. Are you trying to claim the bank said you owe $80 and the debt collector said you owe $790? If you’re claiming $90 interest a month that means you ignored this issue for eight months expecting it to just go away. 

You owed your bank money for long enough they turned you over to collections. I doubt they are still your current bank if you have a debt to them, they would have closed your account(s). Collections tacks on all kinds of fees, which can include court costs, attorney fees, all kinds of junk. You not having a job or source of income does not keep them from suing you (and winning).

They are going to take you to court and get payments ordered, this will happen whether you have a job or not, the best thing you can do is borrow from a family member to stop the interest adding up, they may take half of what you owe as payment in full

Honesty and respect are not compatible in the instance. 

And given you've been posting for over 7 years, you are no child, even if your attitude is infantile. 

The only reason that you owe the bank anything is that you spent more than you had. No ifs, no buts, no poor little me.

You ignored it for what?, 6/7/8 months.  Now it's  come to bite you back. 

If your bank has sold the debt, you now owe the collection agency and they can add charges for every call, letter and visit. 

First, you should not tell the debt collectors anything, unless you can tell them in writing, without using the phone.  You should not talk to them on the phone, ever, for any reason.

Second, yes, they can go to court even if you have no money and have never had a job.

Third, while they can't legally charge that much "interest" every month, they didn't charge that every month.  They charged that much only once, not every month, and it was probably fees and not interest.  Or maybe that's the total of the interest for several months, and not what they charge every month.  If it had been interest and it had been that much every month, then it probably wouldn't have been legal.  But since it was not that much every month and probably wasn't interest, it probably wasn't illegal, but I don't think anyone can tell without knowing what the charge actually was, which I don't think was interest.

Stop making excuses in life, son. Get a job ASAP