So many folks considering debt settlement in Texas ask this question about being sued.  Well the answer is sure the creditors or the debt collectors have the full right of the law to go ahead and pursue legal action, meaning a lawsuit.  However even if they are successful in obtaining a judgment, it is worth pretty much nothing in the great lone star state.  A debtor cannot have his or her wages garnished nor can there be a lien placed against a house with the homestead exemption.  So this gives the debtor most of the power in terms of negotiating on a debt settlement, which can save the debtor tremendous sums of money and time.