Yes, there is always a possibility of a lawsuit. The longer it takes for you to pay your creditors the greater the chance of being sued. About 5% of our accounts end up in a lawsuit. This is a very low percent compared to other agencies, as our goals are to settle accounts before this occurs. If you are sued we will still help you reach an agreement with that creditor. With most clients who are sued, we are able to reach an agreement and have the case dismissed.