My question involves court procedures for the state of: California I was served papers yesterday for a credit card i closed in the year 2000. I got on there payment plans for 6 years, they then told me i could not get on the payment plan anylonger after paying 6 years on one. and that was the year 2007, now i get served for the amount plus interest. What in the world do i do? I have a job, but barely make it, and if they garnish my paycheck i would be homeless. I cannot afford an attorney, help please and the reason i had to close that account was due to job loss.