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I received a summons that I am being sued by my credit card that I haven't paid in about 1.5 years. I was working when I originally had the card. My only income is Social Security retirement, my house is homesteaded, and my car is worth $7K at most. I have no other assets, and occasionally have to overdraft my bank account as it is. I cannot afford to repay my credit card debt. I have a hard enough time paying utilities, mortgage, and basic necessities without aid from my children. Should I contact the lawyer and explain my situation? I doubt it would be worth their time and additional expenses to pursue this further.