Open Question: How do I answer a Summons and Complaint for credit card debt that I admit I owe but cannot pay?

I recieved the Summons and Complaint (State of Michigan) from an attorney for the credit card company for past debt of $20,000.00. I am technically bankrupt now , although I have not filed for it .....yet anyway. Paying any payment or amount at this time would be an extreme financial hardship on my family. I did offer them a payment of $55.00 a month a while ago , but they did not respond.( I do not believe they know my financial situation.). I am trying to work out paying my large IRS debt. Should I send them, and the court, my collection information statement that the IRS has. Or should I not give out all that very detailed information? Thanks in advance for any help if I am unable to respond.

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