I have received papers from a lawyer for a creditor that i had stopped paying. I am 70 and my husband is 80 and between all the medical bills and pills i wasn't able to pay my electric bill. I was 2 months behind so I had to stop paying my credit card bill. Now they sent me papers telling me I have 20 days to send a letter to the court. They say there going to freeze my account, we only live on a retirement and social security.What should i put in that letter?