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Hi and welcome to JA. I am Ray and will be the expert helping you today.
Generally, you have 30 days AFTER the date you are served to file a response with the court. The 30 days include weekend days and court holidays. If the last day falls on a day that the court is closed, you have until the next day that the court is open.
Forms this a contracts suit..
You would need to file a motion for production of documents here for anything you want such as a summary of the account charges.
Here is discovery self help and forms.
This should put everything in dispute and you can get information through discovery about the charges.
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