Yes. However there is no way of predicting with certainty if you will be sued, and when you might be sued. We keep records of every settlement we have done, and which of these creditors has filed suit; so our ablity to predict will be a littler higher than yours, but regardless, there is no way to know for sure. In the event that we represent you when you are sued, there are certain actions we may be able to take to stop or slow the suit. Once you have settled the debt you can no longer be legally sued for that same debt, or for any portion that was forgiven in the settlement. However, many times when an individual thinks they have settled a debt, they may not have actually done so. When we settle a debt we ensure that the settlement is valid and binding and we keep copies of all correspondence.