If you are sued by a debt collector, take it seriously. The first thing to do is recognize there are deadlines to meet and you should answer their complaint. You may think that it's a scary process, but it can get a lot worse if the matter goes into a default. The second thing you should do is look at the paperwork that is attached to the lawsuit. Does it really say that you owe the debt? If you don't, you could find yourself in jeopardy for something that you don't owe. So please, honor the deadlines and look at the paperwork.