I received a summons to answer a complaint regarding a collection agency taking me to court on unpaid credit card with a different company. I have no ability to pay. I'm still struggling to get a job with zero income. I don't know what to say on the answer any suggestions? My priority is to try and save my home if I ever do get a job. Please help, I don't know what will happen if I have no way of paying. My life is being destroyed, it couldn't be this messed up if that is what I had set out to do. God help me. Thanks.