I have been issued a summons for a Loan that has not been paid in six month's. How do I answer?

THis article should give you an idea of where to start, however it only relates to third-party debt collectors, not sure if that applies to your situation or not: Served a Summons Or Credit Card Debt Lawsuit - Don't Call the Creditor!

The article also links to "Answer" templates if that's what your looking for.

Good luck.