This forum is no substitute for getting legal advice directly from a lawyer. What three notice means is that the plaintiff is going to get a judgment against you unless a proper response is filled. You cannot go to jail over an unpaid credit card and your social security money should be exempt.
I am licensed only in Texas. Offering information of a general nature in response to a question is not intended to be legal advice in your state.
I agree with Mr. Armstrong.
No lawyer can properly or adequately advise you on how to deal with this situation on this or any other website. If you do not get a lawyer to represent you, you will almost certainly lose the lawsuit.
I understand that you believe you cannot afford to pay a lawyer, but that does not necessarily mean you cannot get legal representation. I suggest you contact Lone Star Legal Aid and/or your local county bar association. Lawyers can be made available to people who can pay only a very limited fee, or even no fee at all, provided they meet certain financial guidelines.