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Good afternoon. I am sorry to hear about this unfortunate situation. You should have answered the complaint by now by filing a denial that you owe any money to the plaintiff? Plaintiff will have to tangible evidence of an account in your name and a letter history of charges that show a balance that they claim in the suit. This is usually done by a plaintiff filing a motion for summary judgment immediately after the defendant has denied the complaint. If this is a "zombie" debt . That goes back many years ago, then you may be able to file a an affidavit of denial, which will prevent a summary judgment and force the plaintiff to go to trial. You can have someone else with you at the telephonic conference who can listen in and interpret for you.
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