My question involves collection proceedings in the State of:

I'm being sued for a private student loan. I answered the summons(beforehand I spoke to a bankruptcy lawyer after I recieved the summons). I answered the summons stating: verification of loan, verification of the lender b/c the Plaintiff is different than who I signed with and asked who the Plaintiff was( National Colligiate Trust)?. Anyway I just received a letter from the local county court with a date for a bench trial. What should I do now. I haven't hired a lawyer yet which is probably my next step, but I thought I had more time for the Plaintiff atty's to answer. What are my chances with this? I currently am unemployed, my husband doesn't make much and to top it all off I'm pregnant again so now no one will hire me. Help please! What are my chances?!?