No but if you do not want a judgment against you it would be best for you to retain an attorney to represent you. Just writing a letter is not going to do anything.
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You definitely need to retain an attorney to represent you in this action. If the credit card company served you with the lawsuit, they believe you are the debtor. If it is not your account, you will need an attorney to file an Answer on your behalf and defend the case.
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If you were served, you need to file an answer. If you do not, they will get a default judgment against you. However, if you appear in the case, the burden is on them to prove that you owe the money. If they can't - you win. That simple.