Hello, I got in a car accident about two years ago and i didn't have insurance, i was found at fault and now im getting sued for $20,000 by the other driver's insurance company, The original amount was $17,000, They have been trying to collect for a longgg time now. I know i blew it off for a long time but now im ready to take responsibility and start trying to pay it. The car i was driving was under my moms name and they are trying to go after her also but i want to take full responsibility. I have to go to court next month, and im wondering if I should get a lawyer to represent me even though i'm guilty. I'm hoping that I can make a payment plan or anything I need to get my life back on track

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