Someone once told me that 70% of the battle is showing up. That’s especially true in litigation. You’re always better off submitting something than nothing. You’re better off filing even a basic  Answer to a lawsuit rather than suffering through trying to vacate a default judgment. Attached below is a basic Answer template for a standard breach of contract/debt collection action. Warning: one size does not fit all. You may have viable counterclaims so a consultation with an attorney is always recommended. Also, if you’re a corporation or an LLC you cannot file an Answer without being represented by an attorney. That would be the unauthorized unlicensed practice of law.

Answer Pro Se