I just received a summons for Discover Card debt. My wife and I are overwelmed in debt. We have not been able to pay any of our credit cards and are still coming up short paying the necesities. We have been planning on filing bankruptcy but haven't had the money to do so. What actions do we take now. There is no way we could live I there was a garnishment and don't have money to settle. We got caught in these home loans that increase principal every month and have a tenant we are evicting.