Clueless about filing an answer to court

[sunlitdawn]

What is the name of your state? Colorado

My questions pertain to filing an answer to the court. The complaint is for medical bills incurred while my husband was laid off, and therefore had no medical insurance. The date of service was 4/03. I have been paying on this bill through debt management since 2/04. When I added the account to our debt management program, I did receive a letter from the Credit company that stated they would not accept the payment offered and wanted more, but I am paying the amount that the program suggested and it is what I think I can afford.
I do not dispute that we owe the bill, but I am concerned about garnishment.
Can they still garnish my pay, even though I have been making regular payments through a debt management program?

When I file an answer, do I just fill out the form, or can I state my position?
How would I word it?
Do I include payment reciepts?

Should I wait until the court date, and appear to file?
Or should I file my answer before the court date?
If I file before the court date, do I still need to appear?

Hopefully someone here has a clue, because I am lost.

[ihatearizona]

Here's a link on answering the complaint: [url]http://www.legalhelp.org/answering_complaint.htm[/url]

Unfortunately, even though you are continuing to pay them they can go to court and get a judgment to garnish your wages.

[sunlitdawn]

Thank you for your respose, and the link. It helped alot.
I figured they could still garnish. Oh well, life goes on.
Thanks again.