Q: I was sued by a debt collector. How do I respond?
A: The first thing you should do is talk to an attorney. You need to know your rights. Even if you do not think you can afford an attorney, see if you can find an attorney who gives a free consultation. For example, my office provides free consultations for people in California. You can also call your County Bar and see if there are clinics for low income individuals.
If you decide to pursue this yourself, you need to file an answer. This is a judicial council form in California that you can find at this website. Click on forms and you will find it. File the answer with the court and serve it on the other party. Then, sit back and watch the craziness called discovery!