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I need to know how to handle this hearing tomorrow, with a attorney or without one.
thank you for the clarification,
With an attorney, you would of course allow the attorney to present the legal and factual arguments in opposition to the motion.
Without an attorney, you would need to argue why granting the summary judgement would result in an injustice. The basis of the argument would be the invalidity of the alleged debt, or at a minimum the sum claimed by the plaintiff. If applicable, you would argue that the plaintiff has either not acted in good faith, breached the terms of the agreement giving rise to the claimed debt, or both.