YOu must answer that you intend to defend, or they win by default. Since they are a third party debt collector you defense can be demand they they produce the original credit documents and general accounting of the alleged debt. They most likely have purchase the debt for pennies on the dollar.
Since they are not the original creditor, who do they respresent?
Do they respresent the original creditor or themselves?
File Motion for discovery for these answers.
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https://www.askmehelpdesk.com/bankru...ask-29036.html
Motion for Discovery with these 44 questions, will get you the answers you need.