Managing debt settlement lawsuits timely is critical. In any situation in which you are facing a court appearance, it is best to hire an attorney as soon as possible. The attorney will work with you to find a solution to the problem if possible, or will provide you with legal representation within a court of law. With that said, keep in mind that each situation is different. Approach your situation based on law and the facts provided.
If you owe someone debt, and that debt is legally binding, mean that you owe it because you agreed to pay the debt, the creditor has the right to sue you in court. This legal proceeding usually involves the judge reviewing the case and taking into account your information. If you are there, you can plead for a debt payment plan or discuss the options. In most cases, you will need to pay the debt if you owe it.
If you are in a debt settlement agreement right now, or previously, and have made or are making payments to the plan, the creditor may still take you to court. However, if you can prove that you are making payments and that the creditor agreed to the plan, then the creditor is unlikely to be able to collect further. You will likely continue to pay the plan until it is paid in full.
In any situation, hire an attorney and discuss the options in your unique situation. This is the only way to properly prepare for a court appearance having to do with debt settlement.