Review the local rules for the bankruptcy district in which the motion is pending. You will likely need to file an affidavit (or unsworn declaration) setting forth the facts you believe are in contest, a memorandum of law, explaining how the law relates to the motion and facts, a proposed order, perhaps a "word count," affidavits of service of the foregoing. You are claiming that there are issues of fact that need a court hearing. If you don't respond, you are going to lose the case. If your car broke, would you not spend $2000 to fix it? Are you prepared to save $2000 and owe whatever the Plaintiff seeks?