Legal Question in Credit and Debt Law in California

Call the credit card company and ask for an extension. Sometimes they will help you out once or twice. If that don't work, consider talking to a debt consolidation specialist. They can help you out.

Consider bankruptcy, but in the meantime, figure out how to file an answer and affirmative defenses, and the form for fee waiver so you dont have to pay filing fees.

Bankruptcy would be a good alternative too, just as the lawyer above me pointed out. Mr. Selik makes some very could recommendations if litigation actually comes into play. Listen to what he says. I wasn't aware you had already been served. Please disregard my first answer and listen to Mr. Selik. My apologies.