...disappeared. Now I ..........? am being sued by a debt collection agency on behalf of Wells Fargo for the amount of $16k plus fees. She has disappeared and I checked with the company suing me and she has not been served. I am totally poor and can not afford this at all.

Since I am the consignor HOW do I answer this lawsuit. I have 20+ days to answer this lawsuit otherwise the suing company automatically wins. Can someone give me an example or template of how I answer this lawsuit and what I should say. Also is there any other defense I should be looking at besides answering this suit......losing months later..... then garnishment. Totally unfair to me and I will never cosign again in my life.