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There should be a petition attached to the summons. The summons give you notice that a civil action has been commenced against you. It is probably a limited action or small claims action (given the amount). If you can't afford an attorney, you should respond to the petition with an answer. An answer is a document that you prepare that is your response to the petition. It can be as simple as "I deny every allegation made in the petition", or complex by answering each allegation individually. You would file this with the court and send a copy to the other side (should be the name and address of the attorney or petitioner on your summons).
Then if this is a more than a small claims matter, the fun begins. If you have never been involved in a civil suit, you really need to speak with an attorney. You might want to call the other side and say you are considering bankruptcy but if there was some way to work it out.......they may cut you a deal you could afford.
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