Contact a Legal Aid office near you. If they cannot help you ask them who can. If they have no answers for you, start calling lawyers in the phone book and ask them to do a pro bono case.

There is no debtor's prison.

You could try and talk to the credit card company but it may but do any good. They just want money and could care less about circumstances.

Good luck. Hope you make out ok.

Blueduck

Hi,
You may want to checkout website www.creditinfocenter.com go to credit repair and find out what your rights are. A friend of mine never responded to the summons she got and a judgement was filed (long story)However, because the papers were not served properly we were able to get the judgement vacated with complaint. We were able to get her wages back from being garnished due to she was a single parent and head of household. I havent been able to find a lawyer to help her further even though we have a good case.(the statute of limitations was up before they filed suit) You also may check out the statue of limitations in your state on a revolving account.(creditinfocenter has this info) If the staute of limitations is up it may be illegal for them to try to collect.Staute starts from the date of the last activity on the account from what Ive read. There may be some things you can do for yourself without a lawyer. It may be hard to find a lawyer to help (cuz there is no money in it)While you are there go to the disscussion board (legal) I have spent hours on this sight creditinfocenter and it has useful information. I have helped lots of people with credit repair and it does work.
Good luck

I would call the credit card company and tell them, why you have not made your payments. They are not monsters, they just wanted to get your attention. They have probably sent you many notices asking for payment and because you could not pay you ignored them or just did not call them.
Call them a once, and work out a deal they will work with you.

Just think about it, if YOU lent someone money, and they ignored your request for payment with no apparent reason what would you do, yes you would sue.

If it is to late, and they still threaten court, I would mention bankrupcy. There are three types of bankrupcy (I can't remember which one it is) in one you make a deal to pay your creditors over a 3 to 5 year time period.