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One very true fact about debt settlement is that not all creditors are the same nor can they be treated the same. Very often consumers feel just because they were able to work out a good settlement with on of their creditors that it will work for the rest they owe debts too. What you may find to work with one creditor might have the completely adverse effect with another resulting in a lawsuit. Just like mentioned earlier about actually getting the settlement, not every creditor will settle for the same amount. Just like not every tactic will have the same good effect with all of the creditors. Thus again another reason to hire a debt settlement company for the simple fact that they have the experience to secure the correct deal without overstepping the creditors.