hey, i was summoned to court on Sunday march 3, they gave the summons to my girl friend and i have court next week and im not sure what i should say to them or do. the collection agency says i owe a old credit card 3800, and last payment made was in 2008. i have not worked since 2006-2007, hence why i couldnt make payments. i finished college and i still have no job. i own a older car that has a kelly blue book value of about 3200 and i have about 900 bucks in my account. only jobs i have done are side jobs helping friends move, basic stuff just to make some sort of income. but nothing set annually. my question is how should i go about this summons. i will be appearing but i have no clue on what to tell the judge. i cant afford monthly payments because i dont have a set income.