Consumer Protection Law
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You are correct that if you don 't answer or show up at court they will get a default judgment, but it sounds like you will have a judgment against you anyway because they must have proof that you owe the money, but, don't just assume that. Answer the summons and go to court. Make them show the court the original paperwork, your signature, your payments, etc. Often these "secondary" collection outfits don't have anything and they count on you not showing up. Texas, by the way is one of few states where they cannot garnish your wages, but can garnish a bank account, and harass you like all collectors do. Please follow up with any questions.
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