I was recently sued by a credit union in NY for a past due balance of $4,000. (I now live in NC, however, the lawyer representing the credit union is based out of NC). I do not have the money to pay the bill and at this time I can't offer installment payments. Since I did not respond to the initial summons, I am now facing a default judgement. I received a notice for a hearing for a "Motion for Summary Judgement." I understand this motion prevents a trial, which I am fine with. Do I need to attend this hearing considering I have no lawyer and/or defense? Also, what is going to happen next? I appreciate any information you can offer...thank you!