Can you settle debt with credit card companies by yourself?

You can settle debt with credit card companies by yourself. All you need to do is negotiate tactfully with them. You have to convince credit card companies that you're in financial hardship and can't pay the full amount. Hence, it would be better if they reduce your outstanding amount. If you don't have good negotiation skills, then you can get help from a settlement company.

Yes, you can settle your debts on your own. However, the negotiation step is difficult. A settlement company can give you assurance about the settlement with a reduced amount.