I am looking for some advice regarding a summons that I received from a Sherif yesterday regarding unpaid credit card debt to Household Bank. I live in Pennsylvania. It appears as though a debt buyer has purchased this account and is now sueing me for the money. I tried to make arrangements with Household Bank to stop the interest and I would pay X amount of dollars until the debt was paid off. They would not agree to it. So the only choice I had was to just stop paying them. This led to a charge off and then this company turned around and bought the debt wich led to a civil law suit. Here is why I am in the situation that I am in. My wife was pregnant with our second child. We started to buy things to prepare for the baby with cash and fell behind on the credit card. Once the baby was born with the cost of living (gas prices, food, diapers, etc.) we just could not pay the credit card debt. That is when I made the phone call and they just do not want to work with me. So I stopped paying them. Then of course the debt collectors called and called. They called my work, they called my home and they called relatives. I tried talking to them and the amount that they wanted was way over what I could afford. So this all led up to this summons. Does anyone have any legal advice to how I should handle this? Is there issues that I should bring up at this arbitration that would benefit me. Trust me I am not a dead beat and I would LOVE to pay these people their money and be done with this but it just is not possible to make the electric, mortgage, water bill, car payments, insurance and put food in my childrens mouths is taking us down to the very last penny every week. The biggest problem in the world are these credit card companies. I shred at least 4 to 5 credit card applications a week that come in the mail. They give you this credit line then they keep raising it and raising it until you can not pay it. I do not want anyone to get the wrong impression here I screwed myself, no one did this to me, I defineately did it to myself. I only learned one lesson out of this I will NEVER get another credit card again. Please HELP!