Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
You need to answer the complaint.
Then it depends on what you want to do.
If you wish to fight it, you should deny the allegations, then thru the court case, make the creditor prove you owe it and what amount.
If not, then you should negotiate a payment plan for the debt repayment with the creditor's attorney.
You can also discuss settlements too - but keep in mind, discounts for forgiven debt are taxable as income to you.
A chapter 7 can clean the slate for you.
Let me know if you have any other questions.
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