Legal Question in Credit and Debt Law in California

You have to file an Answer in court and you can find it here: http://www.courtinfo.ca.gov/forms/fillable/pldc010.pdf

However, be aware that it will cost you a $330 to $355 filing fee to file the Answer depending on the size of the case. If there's no defense to the lawsuit ("I cannot pay due to lack of money" is not one), and they're not willing to accept your offer of settlement, then it is usually just throwing good money and time after bad to fight something like this, which most of the time will just delay the inevitable. They'd rather get a judgment against you and then try to levy on your properties or do wage garnishment.

I have been successful negotiating with that firm. However you must answer and allege affirmative defenses. Mr. Doan is much more pessimistic than I am as perhaps because I have come to acceptable outcomes in reducing the debt on behalf of my clients. Contact me directly.