I was unable to hire a lawyer to help me against a summary judgment and I need advice on how to represent myself in common pleas court. I defaulted on a loan several years ago with GE Capital and paid a collector through Feb. 2006. I have not paid since. LVNV, the alleged owner of the debt, is pursuing a summary judgment against me on Thursday in South Carolina. The original debt is real. But I have never made any payment arrangements with LVNV. How do I defend myself with the judge?

I am bumping this post up so someone with knowledge in this area might come along to help!

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One positive way to look at your situation is that South Carolina is a non-garnishment state and thus even if they get a judgment you will still be able to negotiate a settlement.

I would show up to court with a hardship story and a budget showing you had the inability to pay.

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Yea...I think you should AT LEAST show up, too. That way the judge can 'see' that you are trying to take care of whatever debt you may have. NOT showing up can really 'hurt' you.

My employer discriminated against an illness that I have, due to breast and I can't afford an attorney. I need he answering the summary judgment from the defendant's attorney. I live in Greensboro, North Carolina.