| I've moved your post to the Bankruptcy and Debt forum. If you browse through this forum you will find a lot of other threads that deal with the same situation you have. I strongly suggest doing so to get ideas about how to deal with this.
You really did not give us enough info to give you good advice. Nothing about the nature, amount and age of the debt. No clue whether this is a real debt that you owe. No clue as to whether you can afford a settlement. So its real hard to answer.
Generally, you want to answer the summons with a notice of your Intent to Defend against the suit. You then send a copy of that answer to the plaintiff. In your cover letter to the plaintiff, you request verification of the debt and their right to collect it. If you believe its a valid debt, then you can add that, if they can prove the debt, you might be willing to discuss a settlement. | 
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