If you plan on the various motions to dismiss, such as lack of written documents you'll want to look over the rules and probably amend your answer since these defenses are waived unless brought up when you answer or with a pre-answer motion.
I do have a feeling you'll be back here in a few months after your court case keeps going asking if it's now too late to do arbitration, not to be confused with court ran version.
They get a default judgment. In your case that means nothing since you have no assets and they cannot seize or garnish disability payments.
That is why I recommend sending that letter to LVNV and Stenger and Stenger. They might drop the suit and let it go alleviating some stress for you and your wife.
I am not familiar with KY courts but start with the summons. Many courts have a pre-printed form you can use and it is attached to or part of the summons. If it isn't there check and see if it is on the court's website to be downloaded, filled out and filed. If not try going to the court and see if they have the form. If none of that works you have to file a formal answer and that you would need to know what the court's procedure is for it.