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I am an attorney with 30 years of experience; I hope to provide you information that will help you in resolving your question.
There may be a number of steps you can ake to protect yourself and defend against the suit, but I need a bit more information about your situation.
1) What State are you in?
2) When did you default (stop paying on the credit card debt)?
3) You indicate that you are collecting Social Security and Retirement. Do you have any other assets to be conidered? (Savings, real estate, investments other than retirement)?
4) How much are they suing you for?
If you can help me with this information I can better respond to your qustion.
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Please note: Information given is not legal advice. Only your local attorney can give legal advice. I can't establish or accept an attorney-client relationship with you. All posts are available for public viewing.