being sued by credit card company?

lriffs asked:


I had filed for chapter 13, 2 years ago,and bcame un employed,and un able to pay
The case was dis missed
Well now one of the credit card companies are coming after me,I received a certified letter from my local court with 28 days to respond,I am a stay at home mother of three with still no income,the debt was in my name not my husbands,and he refuses to help,he was not aware of this debt,I have no bank account,but my name is on the deed of our home also
Since his and my name is on the deed will they put a lien on our home,his name is on the debt?We live in Ohio
I have no money to file for bankrupcy or get a attorney,I tried to call the attorney for the credit card company to see about making small payments on this debt of 4500.00,they will not call me back
Will I be able to represent myself and tell them I have no income,and my husband only makes enough to cover the bills
What are the chances of them going after my home,will they make me sell
Thanks for a repsonse