In short, no. While all debt review cases will go to court at some point or another, the client does not always need to be present unless advised by their debt counselor. As you debt counselor acts as your go between, it is up to them to process the court side of your debt review process. The court comes into play in the final steps, signing over the final restructured agreement for the client. The courts have a say on the amounts owed and the repayment structure moving forward, also deciding whether or not the payments owed are valid and warranted. The court as the legal body also has the power to dismiss and write off debt against the wishes of the creditor, however this in only in specific circumstances.