Okay, here is a sample format you can use as a GO-BY to prepare your response.
So, notice how it works. For each allegation in their complaint, you will have to respond by saying one of the following:
2. Denied or
3. Agreed in part; Denied in part.
For each response you briefly would expalin why.
These rules will help you with the specifics....
Then, you would argue any affirmative defenses you may have. Here is a sample list you can use as a go-by:
(3) AFFIRMATIVE DEFENSES. In pleading to a preceding pleading, a party shall set forth affirmatively any matter constituting an avoidance or affirmative defense including but not limited to the following: accord and satisfaction, arbitration and award, assumption of risk, contributory negligence, discharge in bankruptcy, duress, estoppel, failure of a condition subsequent, failure or want of consideration, failure to mitigate damages, fraud, illegality, immunity, incompetence, injury by fellow servants, laches, license, payment, release, res judicata, statute of frauds, statute of limitations, superseding cause, and waiver. When a party has mistakenly designated a defense as a counterclaim or a counterclaim as a defense, the court, if justice so requires, shall permit amendment of the pleading to conform to a proper designation. If an affirmative defense permitted to be raised by motion under s. 802.06 (2) is so raised, it need not be set forth in a subsequent pleading.
Then you would make any counterclaims you may have. For example if they violated the Fair Debt Collection Practices Act. See here.
Let me know where you may still need help....I will be happy to assist you....