I never received the Summons and Complaint.

You may be eligible to "set aside" the default judgement, or you might be able to negotiate a settlement with the debt collector.

I didn't understand I needed to file a response.

If you act quickly, you may be eligible to "set aside" the default judgement, or you might be able to negotiate a settlement with the debt collector.

I didn't knowthere was a court case.

Depending on the reasons, you may be eligible to "set aside" the default judgement, or you might be able to negotiate a settlement with the debt collector.