For most people without legal training, the legal process can be daunting. It can be a source of great worry for a person to be served with a lawsuit. Being served with a lawsuit can create an enormous amount of stress and worry for anyone. However, the last thing you want to do at this point is to stick your head in the sand and ignore it!
After you have taken a breath, read the lawsuit and see if you even know who is suing you. Most lawsuits in small claims courts these days are collection suits by debt collection firms so there is a good chance that this suit may not even be valid and even if it is valid the amount claims is probably wrong. Regardless, the first thing you need to do is ANSWER the lawsuit so that you can ensure you get your day in court and that the creditor will not receive a default judgment against you. If you answer the lawsuit the creditor knows you will not be going away so quickly. This puts you in a better position to try to negotiate a settlement.