Yes. You are not required to hire an attorney to settle your debts and if you only owe a small amount to one or two creditors, you may be able to negotiate a reasonable settlement on your own. However, if you owe a large amount of money to multiple creditors, it is in your best interest to consult an attorney with extensive experience negotiating debt settlements. When you hire our knowledgeable attorneys at, we will take care of the negotiations for you, finalize the debt settlements and create a plan to fund the settlements.