Your question is very broad but in general, you have the right to try to settle your legal problem outside of court by reaching an agreement with the store that has sued you about how you will pay the debt that you owe to it. If you are able to reach an out-of-court settlement, get the agreement in writing before you pay any money to the jewelry store.
If you are unable to reach an agreement with the store and you and the store have your day in court, you have a right to tell your side of the story to the judge who presides over the hearing.
I recommend that you consult with a consumer law attorney in your area who helps people resolve their debt collection problems. Your initial appointment should be free. The lawyer can advise you about the best way to proceed given the specifics of your circumstances.
