I was helping a family friend with construction work in a basement after last years flood in NJ. I'm not a contractor or business owner and there were no permits. She did pay me for helping/working. I have always helped around the house doing odds and ends jobs.
I never had a key to the property and she would have to let me in the side door because it would be locked. When I left she locked the door. Later that day her son unlocked the door and never locked it. A guest of the home owner was invited over and fell down the stairs, got hurt and is now suing. The home owner's insurance is now suing me in return. I have no money for a lawyer and no one will take the case for free. I'm currently unemployed and hardly surviving. I have the summons and don't know how to respond. What should I do?