A lot of peoples’ major worry is that of being sued. To begin I want to let you know that it is not the norm for the creditors to sue, but it is a possibility. Over 90% of people who fall into past due status will never find themselves receiving a summons to go to court. But you want to make sure that if it does happen to you that you are not left out to dry. With a debt settlement company if one of their clients gets sued there is nothing at all they can do for them.