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?