We have 20 days to respond.or they will file a jugement How do I do this and what do I say?were down to 7 days and I need help fast...

Hello love:

If you owe the money, it's best to settle with the debtor before you get to court. It'll be a lot more expensive if you wait...

If you plan on defending yourself, just write a letter saying you deny all the charges. Send a copy to the other lawyer.

excon