Consumer Debt Rights in Arizona

(GIlbert, Az)

Just wondering what type of consumer protection rights are available in Arizona. About 14 months ago we defaulted on all our credit cards and returned a vehicle to the bank, as a result of economic hardship. My husband was an owner-operator and was directly impact by the current economic recession so he had to shut down. Credit cards were pretty much used for running his business and when it failed we could no longer pay. We both work part-time but do not even make enough to support our family. Credit card companies have since charged off the accounts but now debt collectors and lawyers are contacting us. We were even served a court summons by lawyers who state they are representing one of our creditors. Although we would love to be able to negotiate a payment plan with them, I really don't see it possible and I don't want a judgment. What can we do?

Thanks!