Citibank is taking me to court for $3,140 in credit card debt. Much of this is because I was out of work for a long time and fell behind. I am terrified of what might happen. I am only 22 years old and I don't have much money, and I can't help but feel that this is extremely unfair. What can I do? I'm scared that they'll take my wages, ruin my credit and my life. Also I feel humiliated being treated like a criminal for something that is not entirely my fault. Some of the balance is THEIR finance charges and fees. Has anyone been through this? I feel like it's the end of the world.