Sum of money

Just received my summon today June 13, 2012 upon reading it i've notice i am only given 15 days to file the court and serve an answer to the complaint. I had a credit card before and unseattled my account. The sum of amount became bigger every month due to penalties and other surcharges. I received some notices but ignored it because I don't have a job and no money to pay my obligation at all. My job was terminated when two companies merged and until now I am jobless. Now that I received the summon I've also noticed that my husband was included the summon. I do not know what to do now. How can I negotiate this problem? Am I going to jail if I cannot pay since I don't have assets. What will happen to me? Can I still try applying job local and abroad? Please help me. Kindly answer my questions and doubts. Thank you.