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Q) Where can I find an attorney who can work with me on a payment plan or pro bono
First, I'm sorry to hear about the situation you're in. Unfortunately, we are not allowed to make referrals to specific attorneys on this site, if that's the type of help you need. You already listed many resources I would have suggested, including legal aid. The only other one I would suggest would be the NJ State Bar Attorney Referral Service
. They might be able to help.
What about his claim? Is it solid? Do you believe you owe the money? If so, why not try to resolve the claim without going to court? In other words, if you believe you owe the money anyway, call and see if you can negotiate, set up a payment plan, something to avoid being sued, having a judgment against you, possible marking your credit down, etc.
I'm sorry for this very difficult situation, and I wish I could come up with a magic solution for you. I hope this issue resolves favorably toward you. Take care,