I lost my job as well as my home , I was just summoned to court for a credit card?

I lost my job as well as my home earlier this year, I was just summoned to court for a credit card debt I owe, I%26#039;m not trying to skip out , its really tough times now however everyone else has worked with me and I managed to pay off some, the lawyer claims they told me of court previously however I never got anything, I contacted everyone and told them what happened and that I do intend to pay my what I owe, and I was paying , unfortunately I did not get around to these guys and yes its been some time since they got anything from me, my question is this, even going to court is costing me $163 which I do not have, and I%26#039;m in shock that it got this far , the attorney states I need to pay this off before the court date or else, what can happen if I cannot afford to go to court?

I lost my job as well as my home , I was just summoned to court for a credit card?

It depends on your local laws. In Texas you would lose the suit by not showing up and the plaintiff (credit card company) would be awarded a judgment. All a judgment can do is ruin your already ruined credit. The court costs etc. would be added to your debt as part of the balance owed. Unless your state allows salary garnishment (Texas does not unless it is for child support) then that is it and you can go on about your business and pay when you are able. Check with local authorities on specifics in your area.

I lost my job as well as my home , I was just summoned to court for a credit card?

Well your credit may be irreparably damaged. I would say losing your home means you may not have gotten some of their notices. This country no longer has debtor%26#039;s prison, so there%26#039;s no worries over that. If you lose in court, they%26#039;ll render a decision against you and then possibly garnish your wage until that decision is repaid. I would highly suggest you contact an attorney about filing for bankruptcy. It sounds like you might need it.

I lost my job as well as my home , I was just summoned to court for a credit card?

nothing will happen..it is only a scare tactic to get you to pay....it will be posted as a collection on your credit but there is nothing they can do for unsecured debt..you have alot of your plate right now with what you have gone through..i would not worry about any of this past debt untill you have been able to secure a job and housing..then you can talk to them about a payment arrangement..do not let them bully you!!!!!!!

I lost my job as well as my home , I was just summoned to court for a credit card?

You sound like a prime candidate for bankruptcy.

I lost my job as well as my home , I was just summoned to court for a credit card?

Two things that are nearly impossible to have taken off your back are student loans and court ordered payments. Before you get to court, go get a lawyer and get started on bankruptcy procedures. If you go to court and lose, which you probably will, you will be S.O.L.