Open Question: Please help me respond to Summons !!?

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my pledgee restricted /lowered the payment my 1st mortgage but is suing me for the 2nd - and I hit no money to hire a lawyer. If I state "admitted" to every complaints, would court automatically present them sentiment ? For assentient accumulation crapper I attach a letter explaining my status that I'm in a financial misfortune and the house has no equity, so I'm requesting more instance to discuss cost with the lender. -- what happens ?? is this correct ?? I hit proven to discuss the cost on the 2nd give with the pledgee but they winking the file
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