I am being sued for about $3500 in credit card debt. They want me to pay a $128 filing fee! I havent paid on this debt in at least 3 years. What will happen if I get a judgment against me? Could they go after my husbands assets since I don't have any? Should I call the lawyers to see if they would set up a payment plan? What would happen if I don't ansewer and go into default? I'm just not sure what to. Any advice?

