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You will need to file an answer and a cross claim both. A general answer is usually not sufficient. You will have to "admit" or "deny" or state that "you do not have sufficient facts to admit or deny" each and every allegation / sentence of plaintiff's complaint against you and then you will have to draft a cross claim against the car rental company. However, if the car rental company has filed chapter 7 - then you first have to apply to the BK court to lift the automatic stay before you can sue them and the plaintiff will have to do the same before they can continue their suit against them. You also may want to file a proof of claim in the BK since you are now a creditor vis a vie the car rental co.
The proof of claim form is here:
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