While creditors have the legal right to bring a lawsuit for non-payment of a debt obligation, such lawsuits during the debt resolution process are far less common than aggressive credit collectors would have you think. Most creditors would rather work things out amicably in a negotiated settlement than spend more money taking a customer to court (with no guarantee of being able to collect on a judgment). That’s why thousands of litigation-free settlements are transacted every month all across the country. But, the worst-case scenario is that you could be required to pay a debt balance in full in the event of legal action by a creditor. This is little different from the starting situation most clients find themselves in, and again, it is a fairly rare occurrence.