I received a summons from a credit corp's attorney and I am not sure how to proceed. I don't deny I owe the money, but the fees they have tacked on are more than what I owe. I tried to make payment arrangements with the creditor before this happened and they denied me payments. They said I had to pay in full with in 15 days or their attorney would proceed. I couldn't pay the full amount in that amount of time. This is something I would love to be considered by the judge but I am not sure what to do. I don't have money for an attorney of my own, any advise on something I could do myself? Thanks in advance.