I have received an arbitration award document that says I am supposed to attend a hearing for in a week. It is regarding a credit card debt I owe. I have been working with a debt negotation firm and have been quite successful, but this this company will not negotiate and my debt negotiation company has told me that they have done all they can at this point. This debt is only in my name. It is a a large amount. I am self employed part-time. I live in MN which my understanding is not a community property state. Can anyone tell me what is going to happen at this hearing? Should I get a lawyer to take with me? Can they freeze my bank account? Any insight would be appreciated. I did try to call a lawyer to ask these questions but she does not seem to want to call me back. Not sure if I need to set up an appointment or try to find someone else.

Thanks in advance!