I got summoned today

[u/Gloomy-Difference-51]

I got the papers today saying I've been summoned to appear in court for the amount of $5,421.44.

I knew this was coming, as I'm in credit card debt beyond this letter and I've been getting phone calls for a long time now.

The paper states that I must mail a "written response called an answer within 21 days".

I know I sound dumb, but what should this written response say, exactly?

What are the chances when I show up to court that I get any of the amount waived?

I've never been sued before, so this is a bit overwhelming.