If you don't agree with any of the terms that your husband has asked the Court to order, then that means the case is contested.
You should really consult in private with an attorney in your area if you're going through a divorce. There's no way the internet can be an adequate substitute.
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If you disagree with anything in your husband's Complaint, then you have a contested divorce. Not only should you file an Answer, but you should also file your own Counter-Complaint. Simply stated, your Answer is to respond to what your husband wants out of the divorce, whereas, your Counter-Complaint is where you place all the things you want out of the divorce.
No, you do not have to have an attorney represent you, but it would probably be wise to do so. I recommend you at least consult with an attorney to receive guidance on the basics to help you avoid making any really serious mistakes in your divorce. If you do not consult with an attorney at all, then you will be unsure if you really have covered all the legal bases in this legal case.
If you do not contest his Complaint, then the divorce will go to a default judgment and he will probably get what he is asking for, and you would not get whatever you could have asked for.
This is NOT legal advice, is GENERAL INFORMATION ONLY, and does NOT establish an Attorney/Client Relationship with you. Therefore my answer cannot address your specific legal situation and you should not rely upon my answer in your legal matter. I am an attorney licensed in Maryland and California.
I believe you asked this earlier. Contest that with which don't agree and maybe getting an attorney would be a good idea
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