Legal Question in Civil Litigation in Pennsylvania

You need to defend against the lawsuit. If this is a collection agency that is pursuing you, you need to come up with a few hundred dollars to hire a consumer attorney. Collection agencies are beaten almost every time by a good consumer attorney.

If they get a judgment, they may be able to expose your assets to public sale, or to garnish your bank account.

I agree with the previous reply you received. An unsecured card just means there is no "security" for the "loan" provided to you. For example, if you have a mortgage when you buy a home that is a secured loan on the real estate. The card co can sue you & may be able to attach your bank account or other assets if you don't defend. Contact the lawyer referral service of the Bar Assoc in your county. They should have a list of lawyers who will rep you for a reduced fee. Good luck!!