I defer to Mr. Chen's superior answer. I have submitted several such motions, without ever attaching an answer, and have never had a Judge raise an issue with it. I know better from now on!

so can I fill out a general dedial form as my Answer to their complaint?

Yes.

Thank you Mr. Chen.....you have been very helpful. What is the Form number again for the general denial if I do not agree with anything that is listed in the complaint?

The form for the General Denial is (Judicial Council Form PLD-050):

http://www.courts.ca.gov/documents/pld050.pdf

Thank you once again....

the court lacked personal jurisdiction over you. goto courts.ca.gov and read the opinions of the courts. look under lack of proper notice, Dill v. Berquist Construction Co. (1994) 24 Cal.App.4th 1426, 1444 [29 Cal. Rptr. 2d 746] is one example

thank you...

where do I find these forms for New York State?