I received a summons back in September and was looking into bankruptcy but was told I could not proceed due to my income. When I went in, the person advising me on this, told me how to look up my court date online, and it was March 22nd, 2010. So now it is coming up and I am unsure what to do. Should I get representation? What can I expect? Will I be able to negotiate payments in court? I realize I probably waited to long, but it is what it is. I have successfully negotiated my other credit card debts and this one might put me to the point I can't afford.