You have a Constitutional right to an attorney in a criminal case, not in a civil case. That does not mean you should avoid hiring an attorney for cases of home foreclosure, credit card debt, or divorce. Decisions in a legal conflict can be difficult to make on your own. Attorneys remove the emotion so their clients can take the necessary steps to move through a legal problem.
You may not be able to see every legal angle as effectively as an attorney, plus, you have to follow the rules and procedures of court—if you do not know what the rules and procedures are, you may miss opportunities to present key elements of your case. The law is technical, and from a technical standpoint there are things you can mess up that will hurt what you are trying to accomplish.
A lawyer can reframe the situation into business terms to help you look at the possible choices and consequences.
The more you know, the less stress you have about the unknown. Seek competent legal counsel to learn what choices you may have and to review the legal process of your case.
If you think you cannot afford an attorney, contact your local Legal Aid office. Even if you do not qualify for Legal Aid, they have a lot of pamphlets you may find helpful. The Legal Aid website is http://www.jaxlegalaid.org/stjohns.html.