You can try. Most times creditors are not willing to work with individuals and will not offer very favorable settlements. Plus, if you don’t have the necessary negotiation skills and experience, you will never know if the creditor is giving you the best terms available. Because a Certified Debt Specialist works with thousands of creditors and has thousands of clients, creditors are willing to work with us. Certified Debt Specialists are trained in the “ settlement language”. They know the special terms that are available, and what solutions have been successful for others in similar situations.