It is always a good idea to have legal counsel. However you can obtain copies of your medical records and doctor's statements to show to the Court. You also need to make sure that you answer the lawsuit because some of the things the credit card company may say in the lawsuit may not be accurate. You need to file an answer to the complaint so that you can point this out to the Court. Here is a good web site, which has lots of information on defending a collection lawsuit: http://www.nedap.org/hotline/defenses.html
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