<prompt> Human: I took out a Home Depot credit card approx. 4 years ago and was laid off from work shortly thereafter. I defaulted on the card and am now being sued by an R. Crabtree. The documents from the process server say I can write in to the judge to let them know what Id like to do.Should I say something? Should I pay it off in full? The original amount was 1500, now its 2350 and they are stating if I no contest it, I am liable for lawyer fees as well.I have not answered any phone calls or responded to any letters thus far as I dont know how to proceed. Thanks in advance.  <response>: I have not answered any phone calls or responded to any letters thus farThis is the reason you are being sued. Call the debtor and make arrangements for paying off your debt. If you have the money you should pay off in full, if not you pay what you can and set up a payment plan for the rest. If you continue to ignore them they will add on their lawyers, court fees, etc. on your debt and get your employer to pay the debt on your wages. 