I have just received a summons from a law firm representing American Express. This is for an unpaid bill of $19000. I can not afford a lawyer.

AMex ceased all communication with me over a year ago when my outstanding bill was only a few months old. I tried to set up a payment plan and they said no. In May I finished my IRS debt and now have some $ to pay each month. I called them and again asked for a plan which was accepted. Three days later I received a letter from a law firm representing AMex and I called and told them I had made an arrangement. They said they would call AMex and get back to me. I tried to make first payment in June and the company would not take it. Two days ago I received a summons to go to civil court. All I want to do is start paying my bill and I want AMex to honor the agreement. I do not want a civil case on my record. I am disabled and have no assets other than a 15 year old car which is the only car in this household. I live with my 91 yr dad. I have had major medical bills and three surgeries the past two years and eight others since being disabled. I have no $ for a lawyer.