Check out Greenpath Financial. Its a large non profit organization that helps people work out debts with credit card companies. It ends up being a good deal for both the consumer and the credit card company because the creditor gets money that it might otherwise not get.
In the mean time, go get an attorney. I know you say that you cannot afford one, but I am here to tell you that can not afford to default on this lawsuit. In fact, I would hire a bankruptcy attorney to handle this matter so that the credit card company is more likely to negotiate with an attorney who specializes in this area. Undoubtedly, you can find one who will accept payments from you. Do NOT default on this lawsuit. You will not get a notice of any court hearing if you do not answer.