Thedebtnegotiation.com - The Debt Negotiation California

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TheDebtNegotiation is a law firm based-debt relief servicer that offers a fast and affordable way to get you out of debt, have control of your financial situation, and restore your quality of life with peace of mind.

With many years of experience, they have successfully negotiated with all types of creditors, both large and small. They have made connections within these organizations and gained insight into the collection process that helps us negotiate settlements for our clients. Creditors are willing to negotiate a debtwith us on behalf of our clients with the understanding that the settled amount will be paid in a timely manner.

The creditors they usually work with include, for example, Chase, MBNA, Capital One, Providian, American Express, Bank of America, Wells Fargo, HSBC, Wachovia, Citibank, Bank of New York, Citizens Bank, Direct Merchants Bank, Nations Bank, Orchard Bank, GE Capital, World Financial, Macy's, JC Penney, GE Money Bank, Best Buy, Beneficial, Radio Shack, Victoria's Secret, First Premier Bank, Dell, First Card, Lane Bryant, Lerner's, Lord & Taylor, Household Financial (HFC), Mervyn's, GE Consumer Finance and more.

They work directly for you. They do not receive compensation from your creditors. Their experts will provide a personal and confidential evaluation of the case and determine how the case would be successful in debt reduction and the settlement as well as give us the estimated costs associated with the low monthly payment. The evaluation is free with no obligation.

At TheDebtNegotiation they use an insured third party which opens a non-interest bearing savings account on your behalf. They use an accredited company by the name of Global Client Solutions. **This Special Purpose Account is owned & controlled solely by you** this way you retain control over your account at all times and you authorize every settlement before any money is sent to a creditor. This puts you in full control and nothing happens regarding payment without your expressed approval. Your money will be protected because it is your own FDIC insured personal savings account in your name protected up to $100,000.

At TheDebtNegotiation the maximum term is 48 months dependent upon what state you live in. A typical program ranges anywhere between a 12 – 36 month program. They disclose to their client the importance of savings funds quickly & aggressively in order to negotiate with creditors. A 7 year program may sound nice because it might save you an extra $250 dollars a month – but all a 7 year program really does for you is increase the risk that a creditor may choose to sue you! Also, historical data shows clients that need 5, 6, 7, 8 or even 9 year programs will most likely not complete the program. In cases in which clients need over a 4 year program in order to get the monthly savings they need – their consultants will direct them to other debt relief options such as bankruptcy. Their goal is to choose a program which gives you savings but also short and aggressive enough to have you build up your savings quickly so creditors can be paid off as fast as possible minimizing risk and making negotiations smoother.