Is it the original creditor or did the account get sold to a collection agency? You need to file an answer unless you want them to get a quick and easy default judgment against you. A lot of helpful members here but their not gonna spoon feed you. You need to search the forum, keywords like critique answer. Look into arbitration. I'm a noob but been watching the experts such as Kevin, howucantoo, Bruno, and many others give great advice. Good luck!