Debt Settlement Law Firm
Legal Debt Reduction
Attorney based debt settlement has major advantages compared to non attorney debt settlement programs. By using the debt reduction law firm you have the protection of a law firm behind you. They right away send out cease and desist letters to all of your creditors so you do not receive any harassing phone calls. Also, they have to do everything complying with the state bar and all the regulations unlike the non attorney companies who are unregulated . The Debt reduction law firm will keep you involved in every step of the program by sending you everything that they send to your creditors, and also will let you know exactly how much is in your trust account at all times. The debt reduction law firm wants nothing but the best for the client involved and will do whatever they can to get the lowest settlement amount possible.
For more information call 877-262-2223
Debt Reduction Lawfirm Benefits
Attorney-Bases Debt Settlement
Program Benefits – There are so many advantages and benefits to our Attorney debt negotiation service that it literally makes ‘other’ debt relief companies seem inferior, impracticable, and obsolete.
1. Attorney debt negotiation allows you to get out of debt much faster by eliminating revolving interest and reducing your principal debt balance.
2. You choose your monthly payment based on your monthly budget. There are many convenient payment options to choose from.
3. With this service, you’re retaining a Law Firm to handle the negotiating of your debts. Most major creditors ONLY DEAL WITH ATTORNEYS regarding these matters in the first place, not consumers or non-Attorney debt services.
4. Reduce debt collection calls. Under Federal Law, once you retain a Law Firm to manage your debts, the creditor or debt collector MUST contact the Law Firm and NOT you. You will redirect all collection calls and letters to the Law Firm.
5. Save thousands, even tens of thousands of dollars. Once you enroll your unsecured debts into the debt negotiation program, your total debt will decrease to a more manageable balance.
6. Avoid lawsuits! It is a fact that almost every credit card company will not attempt to sue a cardholder who has Attorney representation.
7. The Law Firm has a flawless track record with negotiating with creditors. To date, the Law Firm’s services have been effective 100% of the time for its clients that stay in the program and follow given instructions.
8. Using the Attorney’s debt negotiation program will enable you to get out of debt far sooner than making payments on your own. Having no debt can be reality and not a never ending financial struggle.
9. Attorney debt negotiation is legal and safe. Our Attorneys use federal laws to help enforce the best possible settlements with your creditors.
10. The Law Firm employed by Trivium FS is regulated by the Bar association with the highest ethical standings. Attorney members are licensed and are the most qualified professionals for dealing with creditors.
11. Our debt negotiation program is completely confidential. Your information is not shared with any third party not related to helping you get out of debt. Your privacy is seriously protected.
12. Our Attorneys work with just about every creditor and collection agency that you may have. If the debt is essentially unsecured, you can enroll that debt into the debt reduction service.
13. The Law Firm’s contract is a legal retainer, not a baseless contract from a non-Attorney company that literally just ‘tries’ to negotiate with creditors.
14. Satisfy your creditors! Get a $0 balance with your debts paid in full. Once your unsecured debts have been settled, you are finally debt free.
For more information call 877-262-2223
Stop Waiting Start Saving
*Do you just make the minimum monthly payments on your credit cards?
*Are you more than $10,000 in credit card debt or medical bills?
*Do you lose sleep or find yourself stressed-out about your debt and how you are going to pay it?
*Are you unable to save money for retirement each month because you have so many bills?
*Have you ever fallen behind or are currently behind on some or all of your payments?
*Do you feel that your monthly payments are just going towards finance and interest charges, and that your principle balance’s never seems to go down?
*Have you ever been denied employment because of your credit score or financial situation?
If you answered “yes” to any of these questions The Debt Settlement Company can Help!
The Debt Settlement Company have helped many people much like yourself overcome the burden of crushing debt. With the most effective debt programs available in the country becoming debt-free can now be a reality. Why live in debt if you don’t have to? Call us today for a no obligation free consultation and let Trivium FS show you the way to financial freedom.
The Debt Settlement Company can work with ANY Un-Secured Debts
Such as:
|
Credit Cards |
Medical Bills |
Lines Of Credit |
Un-Secured Loans |
|
Repossessions |
Utility Bills(past due) |
Student Loans |
Store Cards |
Call us Toll Free#:(877)262-2223 Direct(714)668-9222MonFri8:00 a.m. to 7:00 p.m.
- a division of Trivium Financial Solutions
Debt Settlement Company
Legal Credit settlement services
Debt Settlement is a service that was developed to help people who can no longer afford to pay their monthly minimums and do not want to file for Bankruptcy.
Debt Settlement is a legal process whereby a consumer retains the services of an attorney to represent them in negotiating and settling with that individual’s creditors. Qualified Debt Settlement attorneys leverage Federal and State consumer laws, as well as their existing relationships with major creditors, to negotiate the repayment of the consumer’s unsecured debts for significantly less than the full amount.
Credit Card Management
- Credit Card #1: Balance Owed = $8,400 Negotiation = $4,200
- Charged Off Account: Balance Owed = $15,000 Negotiation = $7,200
- Account in Collections: Balance Owed = $3,600 Negotiation = $2,000
- Total: $27,000 Total: $13,400
In the example above, the attorneys were able to negotiate a total settlement amount due of $13,400. That equates to a savings of $13,600 or approximately 50% of the total debt originally owed.
Debt Settlement is the fastest growing and most effective alternative to bankruptcy. Debt Settlement is not the same as Consumer Credit Counseling, Debt Consolidation or Debt Validation. By retaining the services of our attorneys to facilitate a Debt Settlement, our clients can expect to benefit from the use of the most effective Debt Settlement strategies available, but also to receive proper legal protection against the often predatory practices of debt collectors. As a law firm, our goal is to not only save our clients money, but to also uphold and defend their consumer rights as granted by the Fair Credit Billing Act, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Our Debt Settlement solution has helped thousands of American families avoid bankruptcy and take the first step towards reaching their goal of financial freedom. The ultimate objective of the program is to get you the fastest debt relief possible so that you can focus on enjoying your life. You will be relieved of your debt burdens, you will avoid the hardships of bankruptcy, and more importantly, you will finally be debt-free!
- courtesy of Debt Reduction Law Firm
For more information call 877-262-2223
Debt Solution – Dynamic Credit Solution
Dynamic Credit Solution offers a fast and affordable way to get out of debt for good. Our experienced staff has helped thousands of consumers eliminate their unsecured debt and avoid bankruptcy. Are you behind on your credit card bills? Can you barely afford to make minimum payments? Have you grown tired of paying high interest rates every month? Our program was designed to help you regardless of your situation! Please take a moment to visit our site and supply us with some basic information and one of our program advisors can tailor a program that specifically fits your needs. There is no obligation and the consultation is FREE!
Millions of people have chosen debt negotiation instead of filing for bankruptcy or using consumer credit counseling. The main reason for this is that Debt Negotiation could save you much more money and time than traditional debt management programs. It allows you to avoid the long term effects of a bankruptcy, which can negatively affect your credit for up to ten years. The concept of debt negotiation is to give both the creditor and the debtor a chance to get themselves out of unnecessary, tedious court proceedings and avoiding wasting any money and time. The debt negotiation process is successful because even credit card companies and lenders know that in modern times, the rate of bankruptcy filings is very high. Thus there are less chances of recovering the full debt amount if the debtor files bankruptcy than if a debt settlement is properly negotiated.
We have successfully negotiated with thousands of creditors, both large and small. Here are just a few of the companies that we work with on a regular basis: Chase, MBNA, Capital One, Providian, American Express, Bank of America, Wells Fargo, HSBC, Wachovia, GE Capital, Macy’s, JC Penney, Washington Mutual, GE Money Bank, Best Buy, Direct Merchants Bank, Nations Bank, Beneficial, Radio Shack, Victoria’s Secret, First Premier Bank, Dell, First Card, Lane Bryant, Lerner’s, Circuit City, Orchard Bank, Lord & Taylor, Household Financial (HFC), Mervyn’s, World Financial, Bank of New York, Citizens Bank, GE Consumer Finance and many, many more!
- courtesy of Dynamic Credit Solution
For more information call 877-262-2223
Debt Reduction Lawfirm
Program Benefits – There are so many advantages and benefits to the debt settlement service that the Debt Reduction Law Firm offers it literally makes ‘other’ debt relief companies seem inferior, impracticable, and obsolete.
1. Attorney debt negotiation allows you to get out of debt much faster by eliminating revolving interest and reducing your principal debt balance.
2. You choose your monthly payment based on your monthly budget. There are many convenient payment options to choose from.
3. With this service, you’re retaining a Law Firm to handle the negotiating of your debts. Most major creditors ONLY DEAL WITH ATTORNEYS regarding these matters in the first place, not consumers or non-Attorney debt services.
4. Reduce debt collection calls. Under Federal Law, once you retain a Law Firm to manage your debts, the creditor or debt collector MUST contact the Law Firm and NOT you. You will redirect all collection calls and letters to the Law Firm.
5. Save thousands, even tens of thousands of dollars. Once you enroll your unsecured debts into the debt negotiation program, your total debt will decrease to a more manageable balance.
6. Avoid lawsuits! It is a fact that almost every credit card company will not attempt to sue a cardholder who has Attorney representation.
7. The Debt Reduction Law Firm has a flawless track record with negotiating with creditors. To date, the Law Firm’s services have been effective 100% of the time for its clients that stay in the program and follow given instructions.
8. Using the Attorney’s debt negotiation program will enable you to get out of debt far sooner than making payments on your own. Having no debt can be reality and not a never ending financial struggle.
9. Attorney debt negotiation is legal and safe. Our Attorneys use federal laws to help enforce the best possible settlements with your creditors.
10. The Law Firm is regulated by the Bar association with the highest ethical standings. Attorney members are licensed and are the most qualified professionals for dealing with creditors.
11. Our debt negotiation program is completely confidential. Your information is not shared with any third party not related to helping you get out of debt. Your privacy is seriously protected.
12. Our Attorneys work with just about every creditor and collection agency that you may have. If the debt is essentially unsecured, you can enroll that debt into the debt reduction service.
13. The Debt Reduction Law Firm’s contract is a legal retainer, not a baseless contract from a non-Attorney company that literally just ‘tries’ to negotiate with creditors.
14. Satisfy your creditors! Get a $0 balance with your debts paid in full. Once your unsecured debts have been settled, you are finally debt free.
- courtesy of Debt Reduction Law Firm
For more information call 877-262-2223
Debt Relief Programs
Debt Relief Programs
Debt Settlement-USA understands that people need a specialized attorney to represent them with their debt issues but either can’t afford one or don’t know how to retain one. Our attorneys specialize in debt settlement/negotiation and will work to get our clients the most advantageous settlement possible.
Debt Settlement-USA will do an in depth budget and hardship analysis, and, based on what you are able to pay each month, we can determine how many months you will be part of the program and ultimately be debt free. Clients usually are able to complete our program and become debt free in 24-36 months, compared with making your minimum payments at extremely high interest rates and continue being in debt for the next 30-40 years!
There are so many advantages and benefits to our Attorney based debt programs that it literally makes ‘other’ debt relief companies seem inferior, impracticable, and obsolete.
- Attorney debt negotiation allows you to get out of debt much faster by eliminating revolving interest and reducing your principal debt balance.
- You choose your monthly payment based on your monthly budget. There are many convenient payment options to choose from.
- With this service, you’re retaining a Law Firm to handle the negotiating of your debts. Most major creditors ONLY DEAL WITH ATTORNEYS regarding these matters in the first place, not consumers or non-Attorney debt services.
- Reduce debt collection calls. Under Federal Law, once you retain a Law Firm to manage your debts, the creditor or debt collector MUST contact the Law Firm and NOT you. You will redirect all collection calls and letters to the Law Firm.
- Save thousands, even tens of thousands of dollars. Once you enroll your unsecured debts into the debt negotiation program, your total debt will decrease to a more manageable balance.
- Avoid lawsuits! It is a fact that almost every credit card company will not attempt to sue a cardholder who has Attorney representation.
- The Law Firm has a flawless track record with negotiating with creditors. To date, the Law Firm’s services have been effective 100% of the time for its clients that stay in the program and follow given instructions.
- Using the Attorney’s debt negotiation program will enable you to get out of debt far sooner than making payments on your own. Having no debt can be reality and not a never ending financial struggle.
- Attorney debt negotiation is legal and safe. Our Attorneys use federal laws to help enforce the best possible settlements with your creditors.
- The Law Firm employed by Debt Settlement-USA is regulated by the Bar association with the highest ethical standings. Attorney members are licensed and are the most qualified professionals for dealing with creditors.
- Our debt negotiation program is completely confidential. Your information is not shared with any third party not related to helping you get out of debt. Your privacy is seriously protected.
- Our Attorneys work with just about every creditor and collection agency that you may have. If the debt is essentially unsecured, you can enroll that debt into the debt reduction service.
- The Law Firm’s contract is a legal retainer, not a baseless contract from a non-Attorney company that literally just ‘tries’ to negotiate with creditors.
- Satisfy your creditors! Get a $0 balance with your debts paid in full. Once your unsecured debts have been settled, you are finally debt free.
Attorney based debt programs have been proven to be very effective and the most secure method to eliminate debt fast. Debt Settlement-USA strives to retain the most qualified debt law firms to represent our clients and at the same time offer some of the lowest fee’s in the industry. You will not find a better debt reduction program out there, it simply does not exist. Call us Toll Free (877)262-2223.
For more information call 877-262-2223
Debt Settlement FAQs
Q. When will my accounts begin to be settled?
A. Once you have fully retained debt settlement services, your creditors will be notified immediately and the debt attorneys will begin the settlement process. However, a debt can only be settled once the full funds are available in your settlement account.
Q. How long will it take for me to become free of my unsecured debt?
A. It typically takes about 6-36 months after the debt has been negotiated the total amount of your debt. However, it could be much sooner depending on your individual situation.
Q. How much does this program cost?
A. Debt Assistance program costs are based on an individual basis and are determined by a Debt Specialist and you. There are no hidden costs or fees, so you will know how much you will pay and to whom once your analysis is completed. Your monthly payment will be determined by what you can comfortably afford, and is based upon your level of debt, income, and living expenses. What you can expect to pay in full, in every case, will be less than what you can expect to pay on your current “Pay Forever Plan”, and in almost all cases, less than what you currently owe.
Q. If I miss a monthly payment , will I be dropped from your program?
A. No. Simply call your customer service department and we will arrange payment over the phone. It is understandable that circumstances may arise and we will help you get back on track with your payment schedule.
Q. Are my creditors going to continue to call me?
A. Your creditors will be notified of our representation and inform them that they should contact us with respect to settling your debt. Most creditor calls will stop within 30 to 60 days. If you continue to get calls, call our customer service department and they will again contact the creditor informing them of our representation. In all cases, you should keep a log of all calls you get from creditors with respect to the debt you put into our program. There are federal laws such as the Fair Debt Collection Practices Act that are designed to protect you from creditor contact once you have engaged the services of an debt attorney with regard to such debt.
Q. Will my creditors continue to contact me by mail?
A. Your creditors may also attempt to correspond with you by mail; your job is to contact your debt attorneys office and report this correspondence. We will handle all of your creditors and collectors on your behalf.
Q. Will this program have a negative effect on my credit?
A. As with any assistance program it is likely your credit will be negatively impacted however, once you complete the program you can begin to rebuild your credit. If you are past due or in collections, your credit has already been impacted. Recover the debt, assign it to a collection agency or sell it to another debt recovery agency altogether. However, creditors are typically open to debt negotiation once they understand that they cannot recover the full amount debt amount as a result of your financial hardship. This is why it is important that our clients have legitimate financial hardships. Debt settlement is an established practice, but not everyone is qualified.
Q. Who is qualified for our program?
A. Debt settlement programs are only for people facing financial HARDSHIP or some other form of hardship that has impacted their ability to pay down their debts. This means people who dealing with any number of circumstances or life events that have caused them to fall behind on paying their debts, have little or no ability to pay their debts in the future and are facing a possible bankruptcy.
Q. What types of debts qualify?
A. We accept a variety of unsecured accounts, including: credit cards, business debts, department stores, gas cards, medical bills, finance contracts, and signature loans. The best discounts are typically on credit card. Secured debts that are ineligible include mortgages, auto loans, student loans, SBA loans, etc.
Q. Do I have to include all of my creditors into the program for settlement?
A. No. We recommend that you keep open at least one credit card, so long as it has a very low balance and you intend to use it only for emergencies. Any accounts that are included in the debt settlement will have to be closed immediately. Creditors will not settle on accounts that are still open.
Q. Can I still use my credit cards?
A. No. All credit cards in the program will not be active and you will not have credit privileges. Any cards you DO NOT put into the program should not be used either. The purpose of this program is toy help you to get out of debt.
Q. How Does Credit Counseling work?
A. Credit Counseling works directly with your creditors in reducing your interest rates and lowering your monthly payments. In a credit counseling program you are only required to make 1 payment a month which is then dispersed to your creditors for you.
Q. How does “Debt Negotiation” work?
A. Debt Negotiation is an alternative to bankruptcy for people who cannot afford to repay their debts. When you enroll unsecured debts (i.e., credit card debt, medical debt) in our debt negotiation program, a law firm negotiates with your creditors to reduce the actual amount that you owe. Once an agreement is reached, your creditors are paid one lump sum to satisfy the outstanding debt. The debt is then considered settled and the process start again with the next creditor to negotiate your next debt until all of your enrolled debts are settled. Our average settlement is 30-50% of the balance owed.
Q .What sort of action(s) Do the attorneys take on my behalf?
A. The debt attorneys will communicate directly with your creditors and debt collectors via the mail and telephone. They will audit your bills and the collection methods being used by the creditors to determine if your consumer rights have been violated. They will leverage their existing relationships with all the major creditors to negotiate the best possible settlement of your debts. If necessary, the attorneys will sue your creditors on your behalf should a violation of your consumer rights be identified.
Q. The attorney negotiates on my behalf?
A. Yes. With your assistance the debt attorneys will audit the collection and billing practices of your creditors and debt collectors. Invariably this audit results in the detection of violations of your Federal rights. The attorneys will use those violations to negotiate aggressive settlements with your creditors and debt collectors. Many time this results in a zeroing out of your accounts as the debt collectors do not want to have to appear in court to explain why the violated a consumers Federal rights.
Q. Can I still use my credit cards?
A. NO. All credit cards in the program will not be active and you will not have credit privileges. Any cards you DO NOT put into the program should not be used. This program is for you to get out of debt.
For more information call 877-262-2223
- courtesy of DebtSettlement-USA.com
Debt Facts
DEBT FACTS
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Do Nothing -
Chapter 7 Bankruptcy
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Chapter 13 Bankruptcy
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Debt Settlement
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Debt Consolidation Loans
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Debt Consolidation Home Equity Loans
Unlike so-called “Debt Settlement Companies,” Bankruptcy Law Firms and Credit Counseling Agencies, TRIVIUM FINANCIAL SOLUTIONS does not try to fit you into the one program they offer (regardless of whether its in your best interest). Instead, TRIVIUM FINANCIAL SOLUTIONS will let you know the advantages and disadvantages of each approach, and let you make the decision.
Millions of people have chosen debt negotiation instead of filing for bankruptcy or using consumer credit counseling. The main reason for this is that Debt Negotiation could save you much more money and time than traditional debt management programs. It allows you to avoid the long term effects of a bankruptcy, which can negatively affect your credit for up to ten years. The concept of debt negotiation is to give both the creditor and the debtor a chance to get themselves out of unnecessary, tedious court proceedings and avoiding wasting any money and time. The debt negotiation process is successful because even credit card companies and lenders know that in modern times, the rate of bankruptcy filings is very high. Thus there are less chances of recovering the full debt amount if the debtor files bankruptcy than if a debt settlement is properly negotiated.
DOING NOTHING. If you have no income, (or only income that creditors can’t touch, such as Social Security) no property to lose, and do not mind continuing calls from creditors, then DOING NOTHING may be the option for you. (We don’t make any money if you choose this option – but if this is in your best interest, we’ll let you know.)
A CHAPTER 7 BANKRUPTCY. If you qualify for a Chapter 7, you can “discharge” (effectively eliminate) most of your debts without having to repay anything. Not everyone qualifies for a Chapter 7. Under the new bankruptcy law, all debtors must take a “means test.” The bottom line is that if your income is above the average for your state, OR if you can afford to pay more than $100 per month to your creditors after all of your reasonable expenses are taken into consideration, then you will probably not be allowed to file a Chapter 7. Regardless of whether they qualify, many people want to avoid a bankruptcy for their own personal reasons.
CHAPTER 13 BANKRUPTCY is a solution wherein you make monthly payments to a court appointed trustee for a period of 3 years if your income is below the state median, or 5 years if it is above the state median. The amount you pay is as much as you can afford to pay – meaning that your reasonable living expenses are subtracted from your income, and everything left over goes to the trustee..
A Chapter 13 may be your best option if:
(a) you owe large tax debts that cannot be eliminated by a Chapter 7 and you want to stop the interest and penalties by forcing the IRS to take a payment plan;
(b) you own real estate that is being foreclosed on; or
(c) you don’t qualify for a Chapter 7 and you want to stop lawsuits against you.
DEBT SETTLEMENT is for those who can afford to pay something toward their debts but cannot afford the entire amount; and for those who do not qualify for a Chapter 7 but do not want the hassle of a Chapter 13.
DEBT MANAGEMENT (CONSUMER COUNSELING). If you are current with your monthly payments or just barely behind, a Debt Management Plan may reduce the current interest rate on your outstanding debts, reducing you monthly payment and allowing you to pay off your balance over a much shorter time period.
DEBT CONSOLIDATION LOANS. Debtors with near-perfect credit may consider applying for a personal loan to consolidate their credit cards. These types of loans are typically offered by banks and credit unions. Consumers should be aware, however, whether or not the loan will benefit them. Pay close attention to the interest rates offered, as well as the term of the loan.
DEBT CONSOLIDATION HOME EQUITY LOANS. Again, this type of consolidation loan may be appropriate for debtors with perfect credit. Unfortunately, there are two major disadvantages to applying unsecured debt amounts to a secured debt on a piece of property. One: falling behind on credit cards can result in, at worst, legal judgments leading to wage garnishments. Falling behind on a second mortgage payment, however, can lead to a foreclosure on the property. Two: a review of the amortized payment schedule on the loan documents may reveal, in nearly every case, that a borrower may pay more in interest and fees over the term of the loan than they would by continuing to pay their credit card bills each month, regardless of the new rate. This is caused not only by the fees due at closing but also by the extended term of most mortgage loans.
TRIVIUM FINANCIAL SOLUTIONS SITES:
- Trivium Financial Solutions
- American Debt Assistance
- Debt Settlement California
- Debt Reduction Law Firm
- Debt Settlement USA
- Dynamic Debt Services
- Dynamic Credit Solution
- courtesy of Trivium Financial Solutions
For more information call 877-262-2223
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