I'm being sued for a credit card balance of approx. $5,800. What are my best options? I'm in Houston, Texas.

Here's a funny thing: The card was one of those preapproved things, and it came to me with my nickname on it. I'm being sued under the nickname. Does that mean they can't attach my property if it's not under that nickname? My legal name is something different.

And I got letters from law firms who learned of the suit against me, but I don't know how I can afford a law firm if I get one to settle the thing for me. How much is that going to cost, on average?

Thanks!