I guess I find it hard to believe that you're on the one hand going to be good at arguing that you were naive and not willing or able to read the "stacks" of documents you voluntarily signed, yet also "pretty good at representing yourself in court."
Your basic problem is that you knowing signed documents reflecting a deal you had no intention of honoring, which is fraud on YOUR part, since you're the one that signed/initialled everything under penalty of perjury, regardless of what the salesman put on the credit application. While judges are all too familiar with the high pressure tactics of used car salesmen, you've got a very tough argument to make here.
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I agree with the other answer, and would add that the proof of your guilt or innocence is shown by what you did when they handed you the keys to the truck that you knew you couldn't afford. Did you drive it? How many miles did you put on it? Why are you in Chancery Court? Did you get sued? Did you return the truck so the damages caused by your inability to make payments were reduced? DId you write letters or make phone calls when you "finally figured out" what the salesman had put on the forms?
I think you're at risk of proving your own criminal guilt when you go into court without a lawyer. The jails and prisons are filled with people like you who think they're pretty smart.
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