I was in a major accident and it was my fault, both cats were totaled, I've already received a letter stating they were aware there was a claim on my children (which insurance started right away and recommended) and they are going to sue me if the insurance doesn't give them the amount they want, I've been in contact with the insurance they keep assuring me they will handle everything. I was not the policy holder my mom was but had coverage for anybody driving the vehicle. I'm a single parent with 4 kids under 6 not currently working living with my mom and only have a vehicle that is mainly used to get my oldest daughters to and from school. I'm am really stressing over all of this. I really hope I am making some kind of sense.
You are generally permitted to defend yourself "pro se", which means represent yourself; however, many law schools have legal clinics that also represent indigent persons once a lawsuit is filed. In the Dallas area, Southern Methodist University's law school has a clinic. There may be a similar clinic at a law school in the Houston area, though they will likely want you to have some proof that there is a law suit about to happen.
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