There is only so much you can do. You can answer, which will slow the process a bit. Typically, with a credit card company...they sue and the debtor does not answer (because there is really no defense). Consequently, the credit card company receives a default judgment against you. You may want to have a bankruptcy attorney go over your financials.
Disclaimer: This Post does not consitute legal advice and does not create an attorney-client relationship. Do not act, fail to act or otherwise rely on this Post. Consult a licensed attorney in your jurisdiction.
I would suggest speaking with an attorney - you may have defenses that you do not even know about pertaining to the collection of the credit card debt. In any case, you probably do not want to ignore the lawsuit and fail to answer.
If this is only the first of several similar lawsuits that you expect, it may be time to start thinking about bankruptcy. Bankruptcy will stop the credit card suit in state court and all your debts will be handled in the federal bankruptcy court.
Please remember that this message is provided for informational purposes only. No attorney-client relationship has been formed because of this communication. Please seek legal counsel as the facts of your situation will vary the advice given.
Kimberly DeCarrera, Esq.