These creditors may also sue you. If they do sue you, you can easily represent yourself and explain to the judge why you cannot or should not pay. The credit card company may get a judgment against you, which is an order by the court to pay. But a judgment does not force you to pay the debt, and the companies cannot take your home, your household goods, your automobile or put you in jail or send your children to foster care. You should not sacrifice your basic needs (food, housing, utilities, medicines, transportation, etc.) attempting to pay the judgment.