Signed up and now nervous

Hi, I live in Missouri and just signed up with a debt settlement company I know its the best decision but I am really worried now about the credit card companies filing suit against me and garnishing my wages. If anyone has gone through this process already could you please help me by explaining how often legal action is taken when you settle. I guess the phone calls are getting to me since Ive stopped paying them. Thanks for everyone in this forum You guys are lifesavers/