How do I get representation in civil litigation and have absolutely NO money unless the case is settled favorably and reasonably.

You don't specify whether you are a defendant or a plaintiff. Generally speaking, civil litigants have no right to representation in commercial matters. If you are a plaintiff in some kinds of matters and stand to reap a recovery, it may be possible to find an attorney to represent you on a contingent-fee basis. You do not provide any information about the nature of the matter or the size, if any, of the recovery you stand to make.