So my regular attorney looked over the w/c lawyers pappers that I need to sign to get things going-she said I could easily not get a settlement + owe

The question is not really clear in the fax. Most workers comp attorneys will handle cases like myself on a contingency fee where you do not pay any of the fees and the cost. However upon any settlement the cost have to be paid. I really have seen a situation where a settlement is not sufficient enough to pay for the costs. Feel free to get another opinion.