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Yes, if you owe HCTRA you are better off hiring lawyer. I've dealt with them both as an attorney and for my own stuff and they are never easy to get along with and they know that they have the upper hand so you want a lawyer who has an "in" with them and that they either know and like working with or that will put them through the grinder in court.
I have never heard of anyone representing themselves and coming out ahead against them.
You're very welcome.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work.
Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered. In addition, once you issue your Positive Rating the question will lock open and no longer time out so you can come back to it anytime in the future if you think of any follow ups.