Yes, pursuing debt settlement on your own without involving a debt settlement company is possible. You can negotiate directly with your creditors to reach a settlement agreement. However, debt settlement can be complex, requiring negotiation techniques, understanding applicable laws, and practical communication skills. It may be beneficial to consult with a financial advisor or seek professional guidance to navigate the debt settlement process successfully. Additionally, working with a reputable debt settlement company can provide expertise, negotiation experience, and support throughout the process.