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Hello and welcome! My name is ***** ***** I am a licensed attorney who will try my very best to help with your situation or get you to someone who can. There may be a slight delay in my responses as I research statutes or ordinances and type out an answer or reply, but rest assured, I am working on your question.
Are you asking if you have to file an Answer?
Or what you need to file in the Answer?
Are you disputing the amount owed or do you acknowledge that you do owe it?
If you were going to settle, is there some reason why you didn't enter into a written settlement with their attorney?