A property that my roommate and I were renting was in a fire. The insurance company is seeking a lawsuit as negligence on my our part. The Company is a debt collection/ law office. Do you think this law group is just trying to get me to settle, at an amount to get paid? what should I do? they have not yet filed a suit against me yet. I think they are just trying to scare me so that I would settle and just move on.