Thank you for your question.
If you are unable to settle the dispute, then the credit card company will be able to appear on the date listed on the summons and move the case toward trial. If you appear then you will have a chance to dispute the validity of the charges, if you do not appear, then a default judgment may be obtained in our absence.
Once your creditor has a judgment, they may satisfy it in a number of ways. Depending on the laws of your state, they may attach the judgment to your assets, put a levy against your bank account, or garnish your wages. Overall, the judgment will negatively affect your credit.
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