What kind of attorney do I need if I am being sued for a default on a personal loan with an individual ?

Any general civil litigation attorney will probably be able to handle that sort of case, but your best bet will be an attorney with experience in contract suits.  You should be aware, however, that unless you have a fairly significant and solid counterclaim, you are typically going to have to pay an attorney an hourly rate to defend your case.  To get an idea of just how much it might cost, and whether it is worth the fight, you will need to see an attorney for a consultation.