Answer: Sure, you could negotiate with your mortgage company yourself, just as some people are comfortable representing themselves in court instead of hiring an attorney.  If you are experienced and knowledgeable about mortgage delinquency and understand terms like forbearance, partial claim, Deed-in-Lieu or assumptions and you understand the implications of these terms on your situation, then you may be in a position to negotiate for yourself.  This would not typically be the norm because most people aren’t industry experts. Most people find dealing with their mortgage lender to be a frustrating and dehumanizing process, never sure if the representative they are working with is truly looking out for their best interests or merely trying to meet quotas while attempting to keep the call short. Allow our team, with over 12 years of experience, negotiate for you armed with the knowledge and tools to make it work.