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Good morning. I certainly understand your situation and concern. You do need to read the complaint and respond to the allegations in it. You can either admit to them, deny them or say you are unable to answer, since you are without knowledge. Moreover, you can raise any legal defenses which you may have, that would prevent the plaintiff from collecting. They would need to prove/evidence that the debt is owed and should have attached to the complaint, evidence to support it. If they did not, you could have a defense and they may not be able to prove you owe anything. If you are able to start paying now, you can try contacting them and see if they will agree to a payment plan and dismiss the case or when you appear in court, request that the case be sent to mediation, so you can try and resolve it then. If you are willing to make payments on the debt owed, the other party should strongly consider accepting them and dismissing the lawsuit, without prejudice.
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