Ok so you need to file an answer to the complaint.  Go down to the courthouse in which the action is venued and ask the clerk to help you "put in an answer,"  Bring the pleadings (papers you were served).  In the answer you are entitled to list what are known as "Affirmative defense."  You need to write in a few:1.  That the Court lacks jurisdiction upon you for failure to properly serve you in this matter.2.  That you are not a proper party to this lawsuit.3.  Fraud.4.  Identity theft.5.  That there is no contract.What you have to do is to ask them to produce the original contract with your signature.  YOU HAVE EVERY RIGHT TO GET IT.  And the Judge will help you in this when you get before him or her.  You can also ask for an accounting since the account was opened.  Once the contract is produced they will be able to see that it is not your signature.  Then ask the court to dismiss the action with prejudice. Good luck.