Quote Quoting lonez
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What should I do need help
Nobody here can help you get a law degree in a few sentences.

If you owe the money and the lawsuit was filed within the statute of limitation you very likely have no defenses, although filing an answer will compel the plaintiff to prove the amount of the debt and anything else that goes with it.

Consider filing bankruptcy if you qualify for Chapter 7. It's a lot cheaper to hire a bankruptcy lawyer than to hire a lawyer to fight a lawsuit that you can't win.