YES! Unless you don't want to defend the suit and pay up. See an attorney.
My answers to questions are for general purposes only and do not constitute legal advice or establish any attorney-client relationship.
You should probably hire a lawyer, because the system is complex, and your question indicates that you are having difficulties with it. You need to file an answer, and raise affirmative defenses, one of which should be lack of subject matter jurisdiction if you believe it appropriate.
You can and should file an answer and a motion to dismiss simultaneously.
To questioners from West Virginia & New York: Although I am licensed to practice in your state (in WV, on inactive status as of 9/13), I practice on a day-to-day basis in Massachusetts. I answer questions in your state in areas of the law in which I practice, and in which I feel comfortable trying to offer you assistance based on my knowledge of specific statutes in your state and/or general principles applicable in all states. It is always best, however, to work with attorneys and court personnel in your own area to deal with specific problems and factual situations.