How do I make out a written answer for a creditcard suit?

Hello..I've been sued for a creditcard debt. I always made payments on time until I could no longer afford payments when I became disabled and lost my job of 14 years. While disabled I still made payments for awhile. My financial situation got (and still is)pretty bad. I've been disabled since Oct. 2002. Unfortunately I don't have an exact time/date when my last payment was. I don't have any properties, except for my mini-van (which I still owe close to $1,000.)and I'm behind in payments on that, too. I live with my 4 kids, 3 of them are minors, and my oldest (20 years old)one has no income, she's a student. I have to turn in a written answer by next Tuesday (not Mon. being a holiday) and I'm just needing some light, some knowledge on the matter, which obviously I'm lacquing.