An Answer is the document you file in the court which "answers" the lawsuit. It states:
Defendant, [Your Name] appears herein and files this answer.
Defendant generally denies each and every, all and singular, claims in the Plaintiff [their name] petition. Specifically, Plaintiff denies that the amount asserted to be due is the correct amount. Second, Plaintiff denies that the attorney's fees claims are reasonable and necessary. Third, the Plaintiff asserts that this claim is barred by the statute of limitations
and the statute of frauds
Wherefore, Premises considered, Defendant asks that Plaintiff be required to appear and provide evidence establishing its claim at a trial of this matter, and that after the trial this court dismiss Plaintiff's case and grant Defendant costs and such other and further relief in law or in equity, to which Defendant is justly entitled.
You take the above document and you go to the court clerk's office and ask to file it. You will also take this with you to court tomorrow.
When you tell the judge that you want to go to trial and contest their claim, the judge is going to tell you to file an answer (see above) and will give you a date on which you can come back. Tell the judge you have the answer with you and are ready to file.
Unless the attorney finds you before the judge calls your case, you won't know who the attorney is. So when the judge calls your case, stand up and say "I'm here your honor" and then go forward and say "Your honor, I'd like a chance to speak to Plaintiff's attorney to see if we can enter into an agreement without the need for anything further from the court." At that point, the judge will either say yes or no, or ask you what you want to do. Tell the judge you'd like to settle this case by offering a payment plan, but if the creditor won't agree you are prepared to file an answer and take the case to trial.