If you want to continue the game, you would submit a reply to the opposition. They gave you a lot of clues as to what was deficient , giving you good framework to build up a stronger one. Looks like you were missing points and authority, evidence, and whatever else they talked about.
Here is an indepth 'how to' from sacramento court website
See also here
Since they oppose it, that may be the more inconvenient path for them. Still, you should put together a discovery plan. Time to get them to admit things, produce docs, and reply to your questioning. I think you have more of a chance to win with forcing them to prove their case. Remember they are the plaintif - they have to make the case against you, not your innocence to them.
You always have the safety escape of bk (if you get it done successfully). So you can play around a bit. If you didnt have the option to BK, they would also know and could be more aggressive.
You are in a safe position. but you have to hustle to defend yourself if you are pro se
Did you send a response to the admissions and other discovery? You absolutely positively want to answer that within 30 days of them serving it to you.
If you didnt, read this for a way out
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I filed MTC to arbitrate by email which is required in my county. I received a response back with a court date and to send in my documents. I sent my documents in, the MTC and notarized card agreement along with my fee. I also sent a copy to the attorney with the court date. I called the court to confirm delivery and was told it was being rejected due to the date they provided me, the judge will not be available. So I received another date, which now I have to send my documents again with my payment. The plaintiff sent me more documents opposing the arbitration. I did not file with AAA as I was under the impression that I should wait for a judge to grant or deny MTC. Now that I have to file my documents again, should I also file with AAA and submit a copy with MTC Arbitration to the attorney along with the agreement. Any insight would help. I did a free consultation and was told I should just try to work out a settlement as this is only going to get harder. I don’t have the time and energy for this attorney due to a medical condition. I feel if arbitration is granted it’s less paperwork For me and more for them. Or my next option would be bankruptcy. HELP