Yes. And for example, can also prepare your own taxes, make repairs to your own home, and repair your own car. Most people would rather professionals handle these tasks. If you make a mistake during the negotiation process, the debt collector may still come after you for the full balances. Also, dealing with professional debt collectors can be very stressful and intimidating for an untrained individual. Aside from the time, effort, and knowledge needed, an experienced debt negotiator may obtain lower settlements. Our negotiators often speak with separate creditor representatives who are not the same debt collectors that speak to individual customers. Normal debt collectors are highly trained to get individual debtors to pay the most amount possible, and they usually receive a commission based on how much they can collect from you. Our debt negotiators often deal in bulk and may negotiate several client accounts in one deal for extra savings. If you would like to negotiate your debts by yourself, our Texas Debt Specialists will provide you with resources at no charge.