How do you file a Response to a lawsuit?

A legal case has been filed oppositeness me for an olc credti label debt. The official visit states we can record a Response to a courst is we do not desire Judgement condemned oppositeness me.
How do we indite up a Response, what do we requirement to embody in it. I’m peaceful to compensate off a debt, though given it’s gotten to official we pretence all serve association as well as negotiations hit to be finished by court.. what do we do???
I do not desire to hit to go to court. we desire to solve this out of court, basically

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