I am being sued by Citibank for credit card debt in Texas, do I need an attorney?

The debt is under 00.00 if that makes a difference. I have been unemployed for 2 years and, though I own a car, I really don’t have any assets. I can’t afford an attorney. I must admit I am terrified to go to court, I have never been in any legal trouble before. http://bit.ly/j9mMhu