How do I state my defense in a civil case?
Okay so I am being sued by JP Morgan Chase bank for a business loan I didn't pay because I didn't have the money since I didn't have a job for a while. Anyway the paperwork I received stated that "In order to defend against this lawsuit, you must respond to the Complaint by stating your defense in writing, and serve a copy upon the undersigned attorney for the Plaintiff within 20 daysafter the service of this Summons" What does that mean and how do I make this action?