Debt Settlements Info

I Just Posted A Question A Few Minutes Ago About My Wife Having To Go To Court Over Her Credit Card. Like I Said Before We Have All Ready Settled 2 W/ A Debt Settlement Company. Her's Is The Last One We Are Settling And Now She Has To Go To Court. She Has Lost Her Job Because Of Plant Closure. We Have A Small Amount Built Up In Our Acct. With Debt Settlement Company, But Nowhere Near What The Lawyers Say We May Have To Pay. Does Anyone Have Any Thoughts Of What Might Happen?