The plaintiff has to present quite a lot of evidence in order to meet its burden of proof.  This evidence is often difficult or expensive for the plaintiff to produce.  If your debt is old, or if it has been bought and sold multiple times, evidence of your debt may not exist at all.  It is almost always much easier and cheaper for the plaintiff to negotiate a settlement with you than to come up with all the evidence needed to meet the burden of proof.  That is why the plaintiff will nearly always want you to agree to a settlement.

Recently, I saw a commercial in which a man was depicted performing surgery on himself. While that may have been an attention-getter, we all know that we cannot go to the hospital for such a procedure. On the other hand, we can go to the courthouse and pursue our own case. If so, we are said to be proceeding pro se. "Black's Law Dictionary" (eighth edition) defines the term as "For oneself." It describes the person who appears in court on his or her own behalf without a lawyer.
The center’s approach, known as “limited-scope legal assistance,” can fill an important void. Most federal courts devote substantial resources to pro se litigants, such as handbooks and staff time answering process questions, and pro se staff attorneys help judges process cases. But court staff may not give legal advice to litigants, and although private lawyers offer some volunteer assistance, they cannot meet demand.
Some pro se litigants are intelligent and sophisticated. I recall one individual who represented himself in a case that proceeded to jury trial. He proved quite capable, and the verdict was in his favor. In other cases, the pro se parties are long on emotion and short on knowledge regarding law and procedure. This puts the judge in an uncomfortable position.
(4) Notwithstanding the preceding provisions of this Canon, if a judge would be disqualified because of a financial interest in a party (other than an interest that could be substantially affected by the outcome), disqualification is not required if the judge (or the judge’s spouse or minor child) divests the interest that provides the grounds for disqualification.

(6) A judge should not make public comment on the merits of a matter pending or impending in any court. A judge should require similar restraint by court personnel subject to the judge’s direction and control. The prohibition on public comment on the merits does not extend to public statements made in the course of the judge’s official duties, to explanations of court procedures, or to scholarly presentations made for purposes of legal education.


If the novelist is part of this same trade, a con man in his own right, he deserves that same mix of trust and mistrust. He’s out on the road making deals, looking for specimens to exhibit. There he goes, transforming experience into remarkable distilled concoctions of truth. Look at this amazing, original character, calls the novelist, see the skill with which something of human character is revealed. Step right up, enjoy the show. The novelist is in this same spot between the general and the particular, offering a meaningful, personal connection through a product of which, if the vagaries of the publishing industry are favorable, vast numbers of copies are made. In The Confidence-Man, Melville’s showing off his showmanship, letting you know he’s bluffing. And that’s the only way you know to trust him.
Judges of all political stripes and at every level of government support providing lawyers for people who cannot afford them. As the late Justice Antonin G. Scalia put it, “in today’s law-ridden society, denial of access to professional legal assistance is denial of equal justice.”15 Judges support legal aid because they want to make good on providing equal justice, or coming much closer to doing so, and because they want to improve the efficient administration of justice, as well as out of self-interest.
Like the self-resources account, our findings indicate that self-affirmation boosts one’s self-image by increasing positive self-feelings, but provide additional specificity about the nature of these feelings; self-affirmation increases feelings related to self-compassion (e.g., sympathy, trust, and less criticism; Study 1). Like self-esteem, self-compassion predicts positive feeling states, but is distinguished by its more stable relationship to self-worth, independent of positive or negative outcomes (Neff and Vonk, 2009). Consistent with this, in response to a potentially embarrassing video of oneself, affirmed participants maintained positive self-feelings (Study 2). The effect of self-affirmation writing on self-compassion may explain why few studies have shown that self-affirmation increases general feelings of state self-esteem or positive affectivity (Sherman and Cohen, 2006).
This book explains each step of the civil litigation process from pre-litigation investigation through trial on the merits to give you the best chance of prevailing in your efforts whether you are a plaintiff or a defendant. Its detailed explanations of the various requirements of the litigation process are supported with detailed checklists that insure you leave nothing to chance as you work through the process and help you avoid the costly mistakes pro se litigants commonly make as they fight their lawsuits.
As we read we can let the words gently flow over us. We can let the words quietly be spoken to us in there own sweet way. We can let ourselves open to the thoughts and their meanings, the ideas and their origin, the phrases and the understandings that they have ready for us. Ready for us to assimilate and take on board. If we let them filter through and allow the words their power to move and rejuvenate. If we let ourselves be uplifted and filled with their sometimes hidden insights. Too gently and slowly to impact on our lives as we read - and in the future when we recall their meaning for us.
"I did not have sexual relations with Monica Lowinsky."  Ms. Lowinsky's allegations involved oral sex.  The definition of sexual relations does NOT include oral sex. President Clinton never denied Ms. Lowinsky's sexual allegation....but millions thought he did!  "There is no improper relationship."  There isn't now, but WAS there?  Many of us are raised speaking and writing without precision. We fill in the gaps with what we believe is the intended meaning.  Precision in the spoken and written word will take time to learn.  
Capitalism has a peculiar, contradictory relationship to trust. According to one way of thinking about it, if everyone’s looking out for their own interest, they’ll trust people as far as they can throw them, sleep with one eye open, because everyone’s out to screw you over. It’s not like there are communal bonds or family ties for people to rely on in most commercial interactions. But in everyday life, people are remarkably trusting. People go out and buy things from strangers, make and take loans, and don’t read the fine print. Capitalism depends on baseline trust to keep running. It may depend a whole lot more on a legal system and men with guns—but it needs some level of confidence to stop people from being misers hiding money in mattresses, or even for those misers to think that money is worth hiding in a mattress in the first place.
Some districts of the United States Federal Courts (e.g., the Central District of California) permit pro se litigants to receive documents electronically by an Electronic Filing Account (ECF), but only members of the bar are allowed to file documents electronically.[13][14] Other districts (e.g. the Northern District of Florida) permit "pro se" litigants to file and receive their documents electronically by following the same local requirements as licensed attorneys for PACER NEXT GEN qualifications and approval for electronic use in particular cases; an order of the assigned Judge on a pro se motion showing pro se's qualifications may be required.[15] A 2011 report from the Federal Judicial Center found 37 of the 94 allow pro se litigants to use ECF.[16]:1
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