Nw is the time to find a bankruptcy attorney and file a chapter 7 bankruptcy. It wipes out all of your credit card debt. Don't wait, if done before you answer, that will be one less phone call to dodge

If you were served summons for defaulting in your credit card payment, you can try contacting them to see if you can be put on some kind of payment plan. However, if this is something you cannot do and you have other debts then your best bet is to see a bankruptcy lawyer because if you loose the lawsuit against your credit card company, they will garnish your bank account and your wages.

When you go to court, bring proof of your income, and all of your bills. You should file for bankruptcy, if you cannot afford your debt.
You will become less stressed, and get a brand new start.
Sure, at first it is not good for your credit, but after a certain amount of time, after filing for bankruptcy, you can re-build your reputation.
People go through problems with their credit, especially in today’s economy.
I would recommend that you do your best after you file. Re-build your credit, and give yourself a new start.
Good Luck.

Go to court. Just don't ignore it. The court may set up reasonable payment arrangements.

Will you have alimony or child support payments to make? These take priority over all else. If these represent 15% of your disposable income (different than IRS' definition), you may be untouchable.

But definitely show up in court with a clear understanding of garnishment laws.