You’re being sued over a credit card that you haven’t been able to pay. You know this because you were either served with papers in the mail or, to your total surprise, you were served by a sheriff. You’re scared. You’re thinking you might get arrested.
We have spent a lot of time discussing whether you should file for bankruptcy. You and your spouse have gone home and talked about it at length and have come to the same conclusion that I did: there is no way you can put food on the table for your family, pay the mortgage, the car payment, utilities, insurances, and the other things you need to do to survive and still pay the credit cards.