Hi, I received a summons today for a credit card debt of $5300 from 2003including their legal fees. I would like to avoid court, but do not have the total being demanded in full. I would like to schedule monthly payments, is there still time for that? If so, do I speak to their attorney or the debt collectors(they are still calling me). I cannot afford an attorney, so I am at this alone. I only make $9 per hour, as I work parttime and am a fulltime mother. Can they garnish my husband's wages? We have 4 children and are hardly getting by as it is.btw, I am the only authorized user on the account and its soley in my name.

