A lawsuit is started when you are served a summons and complaint. You will be personally served by the sheriff or private process server.
You will have twenty (20) days to respond. The time runs from the time you are served, not from the date the case was filed.
The complaint contains allegations against you. If you respond, you can dispute these allegations and require that they be proved. If you fail to respond, a default will be entered against you.
Several things you should know.
You have been sued because the creditor believes you have assets. Otherwise, the creditor would not spend the money on filing fees and attorneys to sue you.
If you lose the lawsuit, a judgment will be entered against you. Your creditor will then be able to levy against your property and garnish your wages. You will not have any notice before your property is taken.