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Need advice on how to file a response to a court document informing me that I am being sued by Midland Funding for a credit card debt owed to Credit One Bank. Within the documents it shows that the bank sold my file to a collection agency,then that agency sold it to another and after that, apparently Midland Funding bought it and is now suing for the amount of $2,168 of which all but approximately $600 are late fees, etc. The document titled "Citation (Debt Claim Case)" states: You have been sued. You are commanded to appear by filing a written answer to the petition filed by Plaintiff with the Clerk of the Court on or before the 14th day after date of service of this Citation. My question: I do not dispute that I owe Credit One Bank and am willing to settle for a reasonable amount. How should I word my response to reflect that, if it would even be advisable to admit guilt at this point? Should I reply by acknowledging receipt of the docs only to comply with the deadline? Could I try to settle while the papers are taking "their time" of being processed? My first reaction after finding the Citation in my mailbox was to send the lawyers representing Midland an email. That email has been ignored for a week now. I asked them if there was a way to come to a mutual agreement instead of continuing with the legal process. I guess they are not interested. Are there options at this point? Financially I am not in the position right now to pay the entire amount but could pay 25% to show good faith. Any advice is greatly appreciated! Deadline to respond to Citation is November 2, 2016