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*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.

The Debt Settlement Company

- a division of Trivium Financial Solutions

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