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If this is a proceeding in a Small Claims Court, representation by an attorney is not required and in many cases is actively discouraged. You will find that the judges/magistrates who preside there are very understanding of those who appear in their own defense. You will probably not need any legal traiining or have to know legal 'jargon.' You simply appear and both sides get an opportunity to tell the facts of their story and the presiding official will rule on the issue and/or send both parties to arbitration to work out a (hopefully) successful settlement.

On the other hand: If the amount you owe is significantly more than what is allowable in small claims court, you shuld probably avail yourself of the services of legal counsel.

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Q: How do you represent yourself in a collection issue in civil court?
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