Summons for credit card default

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Country: United States of America
State: Massachusetts

I received a summons to appear in court for a credit card default. I have been working with a debt settlement company, who apparently is not going to help me with this. I have 18 days left to answer the summons. I am in the process of refinancing to pay the sum. I have to answer the summons but can't find anything to deny. I have to admit everything. Will this delay the process if I admit all counts so I can buy some time to come up with the funds through refinancing? Also, In Massachusetts can they take? my home for the equity if they get a judgment?