For the fort court appearnce, judge will ask you, “Do you agree XXXXX?” And you have to say, “I disagree”. Then, Judge will arrange the date for trial and ask Colllection to response to you. Bill of Particulations will be not for Small Claim. Before the trial, you need ask Debt Validation to Collection and they have to response to you within 30 day. You’d better to send with certified mail. A lot of cases, Collection doesn’t prepare the Debt Validation and you need to request Motion to Dismiss. If they provide the debt validation, you may want to discuss about debt settlement. No worries. Even with judge, he will ask you how much you can afford at the end. Thanks.