I have been served court judgement for a credit card, I can, t pay, ask for answer as well served attorney, should I have to meet creditor or
Send a written answer. Please answer

First its not a good idea to piggyback your question on someone else's. This can lead to confusion. You should start a new thread. So I've moved your question to its own thread.

There are dozens of threads in this forum that explain what you can do. I would suggest reading some of them and if you have any specific questions please add a follow-up reply to this thread.