I just finished helping a neighbor through the maze of not one but two collection suits brought against her in the regular (not Housting) session of Civil Court, and in both instances she has gotten the cases 86d.
I think it is fair to say that most collection agency plaintiffs in Civil Court assume that the debtor will fold and/or default. They had NO EVIDENCE and were forced to cave.
While my initial view of the court was fairly upbeat in that it was more pro se friendly than I had expected, my view has since been chastened by a combination of inexperienced clerks and one half-senile judge (or possibly retired judge) at a pretrial conference.
I'd be happy to share our experiences in private. Suffice to say, it is indeed possible to fight a small-sum suit in Civil Court pro se. Anything big -- eviction, obviously -- definitely needs a lawyer. If the plaintiff's attorneys are anywhere near the serial liars that we encountered in the regular part, it underlines the necessity for a lawyer if anything significant is at stake.
Also the procedures in the regular Civil court, even the pro se part, are unbelievably arcane and require a lot of time and effort. I assume it is the same in the Housing part.