My question involves collection proceedings in the State of: South Carolina

I'm being sued by Bank of America for $5,400. I don't dispute the fact that I owe the debt, and I don't believe I have grounds to dispute it.

I'm trying to get help through LawHelp.org, but it's taking longer than I expected, and I'm barreling toward the deadline to answer the suit.

I think I may be judgment proof, but I'm not sure. That depends on how the equity I have in my house is measured and how the homestead exemption is handled for married couples in my state.

Should I bother answering the lawsuit? If so, how should I answer it?