If you have judgments against your name already, those accounts you defaulted on may not be included in your restructured payment plan as negotiated by the debt counselor. If you have only been served with a summons there are still a few options available, but this is when you must contact your debt counselor and take advice accordingly. With options laid out in front of you, you as a client will be able to better decide which direction you need to go in. Debt counseling and debt review offers you legal protection from creditors and debt collectors, allowing you to be safe from these actions once under review, however not before. This is why it is important to contact a debt review company in dire straits, to protect yourself from a negative future.