Essential guideline on kids bank deposits

i got a civil summons today for old credit card debt?
i checked the court it is real ..its from mel s harris &assoc.i ve alot kids bank deposits of reviews on ripeoff report .com about them freezing acconts..etc i m so nervous help what do i do i m broke 2 kids and on disability..with a little in the bank for my kids and direct deposit..ok i go to court …then what…please help. im clueless
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