If you receive a court summons from your credit card company for an unpaid debt of 10 thousand dollars do you need an attorney in Connecticut?

It is always preferable to have legal council, but every person has the right to represent themselves. Each state has laws that exempts specific property against creditor lawsuits. The Homestead Exemption for Conn. is $75,000 for a primary residence. There are also exemptions for personal property, vehicles, etc. Conn. like all states has its own garnishment laws. You may also choose between state or federal exemptions, whichever allows the most protection. No one is "powerless" against creditor lawsuits or judgments. Consumer's should make themselves aware of their rights and should use all exemptions, and protection afforded by Federal and/ or State statutes.