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Please help me with debt I am being sued


Tammywells
Rep Points: 5
In the past I had a credit card's i went delinquent on in 2006 and now im trying to get out of debt.the biggest one is. A emerge mastercard 4500 limit now midland funding llc owns and is suing me for 5700 I have  called twice and tried to get a payment plan but they want full setlment upfront.also each time i call they give me a different number on what i owe.IM trying to avoid going to court with nothing in hand to defend myself as Im single and supporting my sister and her daughter.i Own the house we live in but I have tried to get a loan but No bank will give me one. I was served the other day.(guy just stuffed it in my mailbox and left)And have to be in court on the second.Also the letter came with a notice to defend but the letter doesnt go to the courthouse it goes to the lawer.Should i bother sending?