How do you respond to a complaint? You can choose fear-, or anger-driven responses, like crying or calling the plaintiff and cursing them out. If you contact a lawyer, most will consult with you for free. It’s unlikely though that they’ll calm your fears. Or, you can do what so many others who cannot afford a lawyer do. Nothing. That pretty much leaves one alternative, respond to the complaint yourself.
And if you need help representing yourself in civil court, it’s time to join Courtroom5.