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Hi and welcome
Does it call for 1. an appearance or 2. does it have an allegation or numbered paragaraphs with a series of allegations with a directive that you serve and file an answer within a certain time?
If it is a small claims court action, I probably can walk you through it. If it is a higher court, you should get a lawyer. If you tell me what kind of case and the nearest large city in NC, I can get you a link to a list of lawyers who handle your kind of case.
I can get the lawyer link. But before I do...do you have any defenses to the action? How much is the suit for? Have you tried negotiating a settlement?
I'm a spiritual man, but prayer goes just so far! I may be able to help you to the surface. This is not going to just go away. By defense I mean, are any of the charges inaccurate? If the amount is really the $11,231.66, how much is interest? Lawyers or collection agencies are usually willing to accept less than the full amount and/or take it over time in monthly payments. What can you afford? Any family or other resources to help you over this?
You need to call the lawyer and negotiate a settlement. You can't afford a lawyer to defend the suit and it doesn't sound like you have a defense anyway. You have to be strong and yet sound sympathetic at the same time. You can do this!