Most likely, yes. Since Consumer Debt Help Association works with these creditors and collection agencies everyday we build relationships with the collectors and this may help us obtain lower settlements than you can obtain on your own. We are here to work in your best interest and the collectors job is to collect the most they can for the banks. Since all we do is negotiate debt everyday we are aware of the different methods that these creditors try and use to collect the most that they can and we work very hard to obtain the lowest possible settlements. We also require the creditor’s send letters directly to us outlining the settlement before a payment is made to them so that the payments will be credited correctly and not just go towards the balance on the account.