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Affordable access to counsel for the poverty-stricken proselitigant defence is extremely expensive, and simply out-of-the-question.  Even the so-called affluent middle class with modest means—it is merely financially out-of-reach—the cost of retaining counsel is a serious hardship. Nevertheless, even the affluent litigant cannot afford the filing fee cost for filing a civil lawsuit for the following: unlawful detainer eviction, mortgage foreclosures, child custody, child support proceedings, and debt collection matters.