If a credit card sues you do you have to pay the lawyers representing the company and what do you do about the summons you receive?

If the platiff (the person/company suing) wins , you will be responsible for the legal fees. However, that does not mean they will be able to collect. Never ignore a summons from a court of any type, including Small Claims. You may have a very short time to respond. You need to seek legal advice as soon as possible if you receive a summons. Most attorneys will give you a free consultation. If you cannot afford private counsel, there are legal aid organizations that will assist you pro bono, or at a small fee.