ANSWERS: 2
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Yes. Although you may be able to do it on your own, there are attorneys who specialize in this area of law, and can probably get you a better deal than you can on your own.
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You can negotiate but they are tough. There is a thing called Offer & Compromise which can be filed to get them to accept a lower amount than you owe. If you have a pretty compelling argument could be worth a shot. If you have time, and a strong constitution you can do it withhout an attorney who will charge you.
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