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I received a court summons from Capital One for a debt I owe for $14,000. I have tried negotiating with them and the attorney's office for the last year but they will not make any payment arrangements. We are a low-income family and cannot afford an attorney. I own no property and have no assets. I do agree that the debt is mine. Should I file a response even though I am not denying the amount I owe? If they do get a default judgment how long will that be good for ?