If you are sued for a credit card bill, don't do the obvious thing and ignore it because you have no money.  They WANT you do ignore it.   They get an easy win because no one answered.  Then they sit on the win for a year so that it can't be challenged.  Then they wait until you pay off your car, then they seize your car.

Credit card suits are so often ignored, that the credit card companies have gotten sloppy.  Get a lawyer to help.  The credit card company may have to pay your legal fees.