How to write a letter back to the courts when being sued by a debt collection agency?

I have been served a summons for a debt from a fitness. My debt is now being collected through a debt collection agency and I have 21 days to report to the summons. I don’t know how I should respond I do admit fault to the debt but also I feel like I should not have to pay the amount they are asking because I only used their facilities once and then never went back. How to respond to a summons like this?

Asked on March 8, 2012 under Bankruptcy Law, Michigan


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