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Why won't the court assign a lawyer? If you make too much money for a public defender, you would be expected to either retain private counsel or represent yourself. Doing the latter is not advisable if you ultimately wish to go to trial on these charges.
Many lawyers these days take credit cards, which would allow the lawyer to get paid for his work but would enable you to make small monthly payments to your card carrier. If you make too much money for a pro bono lawyer, but not enough to pay for a private attorney, you might want to look into law school criminal justice clinics were law students take on cases for course credit under the supervision of a professor.
Some of these clinics have wonderful reputations, and they have a sliding fee scale, which means that they would provide reasonably priced representation. University of Minnesota has a criminal justice system. That's one possible solution for you.
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