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Unfortunately, there is no way to answer a civil complaint with a proposed payment plan. You can file an answer that includes a "general denial" and what are called "affirmative defenses". By filing an answer you will continue into the litigation process and give yourself time to negotiate the debt. (Most courts will even encourage or assist you in getting an early mediation set up).
If you do not answer the complaint, the plaintiff (vendor) will get a default judgment against you, meaning they can collect the entire judgment (plus interest) using judicial processes, such as bank levies, till taps, property levies, etc.).
I hope the above is helpful, if you have any questions please do not hesitate to ask and I will follow up directly.
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