Here are basic instructions in case you don't have them:
Basically, one would need to note any information that would help prove that the money was not owing. For example, it could be noted that there was no verbal or written contract or other basis for the obligation, the date one first became aware of the alleged debt (ie legal notice).
If one fails to return this, and file it with the court, judgment will be entered for the plaintiff:
The plaintiff has the right to request that you file a document called an Answer and Grounds of Defense. This document is a written explanation of why you dispute, in whole or part, the action filed against you. The judge will set the date the Answer and Grounds of Defense is due. You must file a copy of your Answer and Grounds of Defense with the court and mail a copy to the plaintiff. If you do not file this document or if you do not file this document on time, the plaintiff can ask that judgment be awarded in his favor.
If any of the VA's consumer protection act's provisions were violated, that can also be asserted as a defense:
It is prudent to respond to each allegation contained in the motion.