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A lawsuit has been filed. Follow the instructions on the summons. Read with great specificity your local Rules of Civil Procedure.
In general, you need to file an answer to the complaint. If your local rules allow, if before filing an answer, engage in Discovery.
When was the last payment made on this account?
If you currently have a substantial balance in your checking or other accounts, I would withdraw them to a minimum amount.
Are you married? Are you head of household? What state are you in?
Does the HSBC credit card agreement have a Choice of Law Provision?
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It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation. | 
