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hi Im attorney Sean Jaffer and I want to talk to you about debt settlement and what are your options when youre doing that so first of all I want to tell you that our firm Jaffer Associates handles debt settlement matters for clients throughout the entire country and we if youre looking for a debt settlement attorney regardless of where youre located our office should be able to help you now the first thing I want to discuss is theres different types of debt settlement options out there for you and how ours is different compared to other things that you may encounter so were not a debt settlement company were actually a law firm and were attorneys and what we do is we engage in the debt settlement process in a little bit of a different way than maybe a debt settlement company would so first and foremost what we do is we negotiate these debts down and in many instances if there were the debt collection company we not only get the biggest advantage of working with us is not only