Although technically possible, that’s like asking if you could build your own bridge across a large river. Given the time, knowledge, and resources, you very well could negotiate your own debt consolidation plan. But, if you want to save time, frustration, and very possibly money, it’s best to let seasoned professionals do the negotiation for you.

Many creditors actually finance a significant portion of the debt consolidation plan, so in many ways it does not make financial sense to negotiate it you.