I am being sued by Chase Bank for a debt I owe. It is around $26,000, I had this credit card for 17 years with a great payment history. I called my creditor and cancelled the account and I told them as soon as I find a job I will call them to make arragement they have decided to sue me. I am unemployed for the last 8 months and I had a tremendous amount of lost from my real estate business. I have 20 calendar days to file a written response to the complain. I do not have an attorney how do I respond to this complaint?