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28 minutes ago, digmydreams said:

I know that I need to answer the summons. I will be denying that I owe Cavalry anything. Given the above information, is there anything specific that I need to include with my answer?

Also, I will be filing for Chapter 7 Bankruptcy next week. I know that the Automatic Stay protects against lawsuits and garnishments, but will it essentially stop this lawsuit in its tracks? 

A BK filing stops the suit cold.  Do not even worry about answering. Give the summons and paperwork to your BK attorney and they will handle it for you.

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