What should you do if you had a credit card charged off 5 years ago and you just received a summons from a state attorney suing for the amount and fees and will the judgment start the 7 years over?

A judgment is not granted until the suit is heard and the plaintiff prevails. The amount of time that a judgment remains on a credit report (7 years) has nothing to do with the length of time that a judgment is valid and can be enforced. The best option is for the defendant to discuss the individual circumstances with a qualified attorney.