Yes. Creditors have the right to file a lawsuit if you are not paying a debt. Being sued is one of the biggest concerns you should have before determining if debt settlement is something you should attempt.
Feel free to contact us for a free consultation so we can help you calmly evaluate what your best options are and the next best steps to take if you are hyper-concerned about this, and especially if you are already being contacted by a debt collection attorney, or have been sued.