Today my husband was served a notice that he was being sued for a credit card debt. In April of 1999 I was involved in an auto accident and since that time have been on disablity, a permant thing. My husband and I had several credit card debts, and over time we settled with all of them but Aspire Visa. They would not settle nor make payment arrangements. I didn't take bankruptcy because I didn't understand all about it (my mistake I know). Now they have sued us for over $4000 for a debt that was under $1000 at the time I stopped paying. We have 4 more payments on our mobile home and own 2 cars each valued at under $2000 each. My husband doesn't work and we live on my disablity check. I'm so afraid that I'm going to loose our home and have no idea what to do. Please help.