If debt collectors sued you or if your lender sue you, you shouldn’t ignore it. If you ignore the law suit it will result in default judgment. You would end up dealing with a different problem. It is hard to undo a default judgment.
If you are sued and you dispute the claim go ahead and file a defense. If you the money and in a position to make a settlement offer that your creditor has decline to accept, go ahead and file a defense and make the offer. Let the judge decide.