Hey /adv/, I've seen some of these similar threads b4 so

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Hey /adv/, I've seen some of these similar threads b4 so I might as well try to make one and ask for advice
Recently I got sued by bank of america for not paying my 2-3 years old credit card, the debt isn't monumentally big (2700 dollars) but I'm unemployed so I can't really pay them (or you could say not wanting to too).
So I've been doing some researching around and know the best course of action is hiring a lawyer but since im broke as fuck, I'm trying to find other alternative ways to solve this problem. Some people say you can just let it go to default since I don't really own anything expensive to my name so they won't have anything to take away from me anyway, but that doesn't sound like a good idea for the future.
I know I have to make a response to the court to avoid a default judgement, but I'm not so sure what gonna happen next after that, which is what im hesitate to write a response on my own and thinking of just hiring a lawyer.
Anybody who has experience from that can share your stories or give some advice?

Also not sure if this helped but I really didn't expect BoA themselves to do the suing since im pretty sure they sold my information to a debt collection agency which is why i ignore them in the first place.