Legal Question in Credit and Debt Law in Oregon

Unfortunately you're already "in court". The debt collector has filed a civil action against you that you need to respond to. If you don't respond then a default judgment will be entered against you for the total amount that the debt collector is seeking. If you owe the debt and the debt collector hasn't waited too long to file suit against you then you should probably contact the attorney for the debt collector. You should consider asking that the amount of the judgment be "stipulated". In other words, that you agree to an amount that is owed. If you can't pay that amount right now (or very soon in the future) then the judgment would be entered without a further increase in fees. Sometimes, debt collectors will settle for a smaller amount from the debtor (you) if you agree to pay that amount immediately.

Unfortunately, you don't have many good choices now that the debt collector has filed suit.

Good Luck.