Defense Filing Against Credit Claim

I'm seeking legal assistance to file a defense against a claim regarding payments owed on my credit card and line of credit. The plaintiff in this case has not attempted to make reasonable repayment arrangements before escalating to this point.

Key tasks:
- Drafting and filing a defense
- Highlighting the plaintiff's lack of effort to arrange repayments

Ideal skills and experience:
- Expertise in credit-related legal disputes
- Strong background in contract law
- Excellent legal writing and communication skills

Evidence available:
- Communication records, chiefly phone discussions which did not yield results.
- Plaintiff has also requested that the matter be heard in London Ontario knowing how difficult that would be with me living in Toronto.

Your expertise is needed to ensure a compelling defense is presented.
My circumstance changed when the the interest rates went up and my mortgage payment almost doubled and in addition my income went to zero as the real estate market slowed drastically
I'm presently just thinking of the first step at the moment which is to file a defense within the 20 day period.