The credit card company does not care about your current financial condition. It wants money due it from your credit card charges that have not been paid. If you have been served with a summons and complaint in a lawsuit by the credit card company, you either answer the complaint with a court filing and defend yourself through trial, or not answer and get defaulted with a resulting judgment for money owed.The best way to resolve this situation is to reach an agreement to pay so much monthly to the credit card company to pay down the debt in an amount you can afford. If you cannot reach an agreement, there is a good chance that a dollar judgment will be entered against you and the credit card company will pester you in collection efforts.