Are you unemployed? If not, they can garnish your wages. Do you own a home? Have you filed for a "Homestead Declaration" on it? Did you ask for "Debt Validation" from the creditor? Right now, all you can really do is to show up in court. Do an online search for "Credit card judgement what to bring to court". This might help: "Before the Trial"
http://www.courts.ca.gov/1323.htm

