The economic downturn has left more Americans with the daunting prospect of fighting court battles without a lawyer.

A growing number of people have found themselves in court facing costly financial proceedings such as declaring bankruptcy, fighting foreclosure and litigating employment fights. Adding to the challenge, for many: The high cost of legal representation often prompts them to go it alone.

Jillian Edgar of Brooklyn, N.Y., is one example. The 32-year-old, who says she has been unsuccessfully looking for work since October, is fighting an eviction notice that claims she owes more than $2,800.

Last week in Kings Country Housing Court, she said she didn't know the steps to take to qualify for free legal aid. Still, she said, "I think I can handle myself." Her plan: to say that she withheld rent because her apartment had fallen into disrepair.

Legal experts say many people are likely losing claims and paying penalties they could have avoided with a lawyer at their side. Litigants often don't understand the sort of evidence they need to present in legal proceedings, said Florida state Judge Claudia Isom.