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We have just been served a summons to appear in court due to non-payment of credit cards. We lost our business over a year ago and forced into early retirement and do not have any funds to pay. We have been in contact with this company for the entire time and explained that we have no assets. We have our home for sale and have stated at that time we will pay this debt. Do we need an attorney present at the hearing?What steps do we need to do to prepare for this court date and what other advice would you suggest that we do legally?