Hello and welcome to JustAnswer. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.
I am sorry to hear about this situation. The first thing that someone in your situation wants to do is to file an ANSWER. See HERE for an example (warning, instant download). The answer is sent both to the Plaintiff and the Court. There is a limited time to file an answer so this should be done ASAP. Not filing it in time may have the Plaintiff win by default.
Once this is done, one can contact the law firm filing the suit to see whether or not they even have the right person. If they do, perhaps a payment plan can be worked out instead of a judgment.
Using counsel is not mandatory, but is highly recommended.
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