When you take out a loan or enter into a contract with a credit card company, you are agreeing to pay back the debts you incur according to the initial agreement. If you fail to pay those debts or fall behind on payments, the creditor or debt collector might pursue payment by filing a lawsuit against you. This is one of many reasons why it is important to work with the right professional when considering a debt settlement. Unlike a debt settlement company, a licensed debt settlement attorney can represent you in lawsuits, sue debt collectors that violate your rights and pursue other legal remedies to stop collection actions. By seeking the assistance of an attorney in negotiating a debt settlement, you already have a legal expert on your side who can step in and defend you should you find yourself being sued over unpaid debts.