I Need Some Advice On What To Do Please

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NJTJ

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My Husband and I are being sued in Civil Court by a bank credit card. I owe 1700.00 and my husband owes 3700.00 We were unable to pay because he was injured on a job (He's self employed) and I am a diabetic with many complications.

My Questions are...

Do we need a lawyer to go to court?

We do not really own anything but our home(We owe 205.000) and a 9yr old Durango.We have no equity in our home.

What is the worst that will happen?

We did hire a place to help us consolidate all our cards Back in Sep 07 and they don't seem to be willing to work with them.

We live in NJ

Someone Please help I only have until March to know what to do and no one is willing to answer my concerns all the consolidate program is telling me is I don't need a lawer and since they have been little help so far I need to know what to do please:confused:
 
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