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You can either respond to the summons and show up in court, or do nothing and have a judgment taken against you. Judgments stay good for a number of years, so the downside to having a judgment taken against you is that it will be reported on your credit, and if you come into any money later on, or start working, your wages could be garnished or your accounts could be levied.
It is very possible that the credit card company will get a judgment, if you legitimately charged on the credit card, despite your defending your position. As long as they brought the lawsuit within the requisite statute of limitations in your jurisdiction and can prove that you are the rightful owner of the debt.
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