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I have been served with a citation from a credit card co. Can I go to jail over this? What can I do about this?

A citation from a credit card company is the start of a legal procedure against you by the company to retrieve the money that you owe them. I am not a lawyer and so my advice to you is to discuss this with a lawyer who specializes in debt relief and handling personal bankruptcys (even if you have no intention to file bankruptcy). These lawyers handle situations like yours every day and will be able to discuss your options.