First, you need to contact the gap insurance carrier and find out why they didn't pay the entire balance. Second, you need to defend the lawsuit to avoid a default judgment against you.
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I would definitely fil e and answer.Hopefully you have time to do so. I don't recommend filing a general denial answer youself without first talking to a lawyer, since there are defenses youwill want to raise nand perhaps a counterclaim ( FDCPA. FCRA, NYS ) to add, and it is harder to add these after issue is joined. Give us a call, we'd be happy to help you in Margaretville.