Already helped 5377 people to start a debt free life

Get help from experts

With proper help you too can

  • Reduce your monthly payment
  • Reduce interest rates
  • Waive off late fees
  • Have single monthly payment
  • Reduce collection calls
Name:
E-mail:
Phone:
Debt:
 
Call (Toll Free)

(800) 530-OVLG

Or
Chat Live
Or
Call me now

Need quick help

(Provide us your phone no. we will call you back.)
Full name: *
Phone: Ext.


secure Why us?
Home » Debt Relief » Debt help

Debt help : Know your options when unable to repay bills yourself

Coping with the increasing debt amounts and overdue bills may need a lot more effort than household budgeting. You may consider getting professional assistance, if you have exhausted all your efforts and are still finding it difficult to get rid of your debt burden. Financial experts associated with debt help companies may show you the right direction, when it comes to managing your finances and help you chose a suitable debt relief solution. Well, not all debt help services can promise you immediate or accurate results. Thus, before you opt for a debt help service, it's necessary to keep certain points in mind.


How much can you save?

Monthly payment you can afford
($)
06 Mar, 2014 Review: AR5 saved $364.38
Client satisfaction level:
      
* Client names have been changed to protect privacy

What are the various debt help options?

If you need help with your unsecured debts, you can approach a debt relief company and choose the option which suits your financial condition:

  1. Debt management help – The debt help companies can offer you with management services. It involves a counseling session, where the experts associated with the company analyze your finances, and then try to lower the interest rates charged by your creditors through negotiation. They can also advice you about effective money management, so that you can comfortably pay off your dues over time, with an affordable payment plan.
  2. Debt consolidation help – A consolidation program or a loan can help you to readjust your debts by bringing them together. You can benefit from single affordable monthly payments, and even extend the repayment terms according to your convenience. Besides, the financial experts can also negotiate with your creditors or collection agencies to reduce interest rates, waive off penalties, late fees etc.
  3. Debt settlement help – If you need help with excessive debts, you can choose to settle them for a reduced amount. The best benefit associated with settlement is that, it brings down the debt amount so that you pay less than what is owed. The company, offering you debt settlement services, negotiate with your creditors and collection agencies to get you the best possible deal, which you can afford to pay.
  4. Bankruptcy help – This is the ultimate debt relief option, and should only be chosen if no other debt free option works for you. Bankruptcy can help to discharge most of your unsecured debts or reorganizes them so that you can pay them off over an extended time period.

How to find help with credit card debts

If you rely too much on your credit cards, and spend more than what you can pay for, you'll evidently end up with enormous credit card debts. You can practice budgeting to get rid of them first. If that doesn't work, you can seek help from professional agencies and go through their credit card debt relief process. Depending on the amount and your affordability, you can either choose management or consolidation or settlement, to get rid of your growing credit card bills.

How to find help with payday loan debts

Too many payday loans or short-term cash advances can be deadly for your finances. Once you get trapped into a vicious payday loan cycle, it's difficult to pay them off. If you're unable to handle them on your own, you can approach a company offering debt relief services and pick a suitable solution for yourself. Professional companies can process your payday loans and help you to get rid of them as early as possible.

What should be considered before you choose debt help services?

If you're eager to get rid of your debt problems and regain your peace of mind, the following strategies might help you along the way:

  1. Sticking to a budget – No debt relief solution will work for you if you keep splurging on luxuries, in spite of having rising debt amounts. Budgeting may not be the only way to solve your financial problems, but it's evidently the basic step towards a debt-free life. A monthly budget can not only help you save to pay off your bills, but can also reduce your undue expenses and missed payments. Simple budgeting tips can help you to manage your finances, so that you can avoid debts in the first place.
  2. Comparing your options – Whether it's for choosing the right debt relief solution, or for picking the company offering you debt help, you always need to realize the importance of comparing your options. Comparing can help you to come up with the best deal when you choose among the several available options in the market. Not only that, it can also help you to pick which among management, consolidation, settlement or bankruptcy will agree to your debt situation.
  3. Avoiding financial mistakes – Being financially aware and responsible can often help an individual to avoid debts. A well-researched man doesn't believe in myths and can avoid making financial blunders which may push him into debt. He knows that canceling unpaid credit cards, or closing off old accounts may negatively effect his credit report and not the other way around.

Top Questions
Got any queries?

0
votes
1
answers

Is there any debt that can't be discharged through bankruptcy?

Is it possible to discharge debts I want? Can I choose to keep the good debts? ... Read more »

Category: Debt Help

0
votes
1
answers

What happens when borrowers choose to not pay off the principal balance of pdls?

What happens when borrowers choose to not pay off the principal balance on pdls?... Read more »


0
votes
1
answers

Will any debt settlement company work with an unemployed person?

I can't pay off bills because of my unemployment. Will any debt settlement company agree to help me pay off debts? ... Read more »

Category: Debt Help

0
votes
1
answers

What should you possibly do to fix your credit score?

My credit score is 512. I have made some wrong decisions in the past and my credit score is the proof for it. It will take some time to fix my credit score. I have almost $10000 in medical debt. What should I possibly do to fix it? ... Read more »


0
votes
1
answers

Why has my credit score dropped by 100 points?

My credit score has suddenly dropped by 100 points? May I know why? I have no collection accounts on my credit report. ... Read more »


Articles: Educate Yourself More »

Crystal Ball Predictions for the Credit Card Industry - What 2014 has in store

A careful study of the predominant credit card trends help us use the cards properly and remain aware of the industry changes. If you want to steer clear of wrong credit decisions, have a look at the credit card predictions for 2014. ... Read more »
Date: 11:15 pm 3rd Apr, 2014
Article Rating:

Money-saving strategies to help women relax in the tax season

Despite the hullabaloo about tax deductions and increases, nothing has much changed for the average women. So, what should a financially smart woman do? Get information about all the tax breaks and take advantage of them as much she can. Read along to know how women can save money on taxes and relax. Gather your papers quickly: The sooner you collect your documents (W-2s, investment papers, receipts, etc.), the better. You'll need these documents at the time of filing your tax ret... Read more »
Date: 03:02 am 13th Mar, 2014
Article Rating:

Save more this year with less expenditure

Yes, it is possible to continue or make a fresh start this year with less expenditure and more savings. If you're wondering how to do so, then remember that savings directly depends on how less you're spending. Therefore, it is a prerequisite to plan a fresh new budget this year. Along with that, check out these 3 important items on which you can spend less in 2014. 3 Items you can expect to spend less this year Price reduction of cars - Market reports are pointing to the fact that th... Read more »
Date: 04:07 am 15th Jan, 2014
Article Rating:

Find out more about bankruptcy adversary proceeding

A bankruptcy adversary proceeding is actually a separate lawsuit that has been filed within the bankruptcy case. This starts like any other lawsuit when someone files a complaint. This someone can be you, the creditor or the bankruptcy trustee. There are quite a few bankruptcy cases that go through both completion and discharge without any adversary proceedings. However, this might not be the case with others. This adversary proceeding might be brought forth to challenge the dischargeab... Read more »
Date: 01:57 am 14th Jan, 2014
Article Rating:

What will you do if you default on Chapter 13 bankruptcy plan payments?

It's not unusual for adverse changes to occur in a down economy. This is why it's common to face extreme situations leading to financial distress as a debtor. What you need is a flexible bankruptcy payment plan. This is provided by the Chapter 13 payment plan so that you can complete all payments on time. Now the next question arises is what would happen in case you're unable to make payments? This might just result in the trustee moving to dismiss your bankruptcy case. Now why and when t... Read more »
Date: 09:07 pm 9th Jan, 2014
Article Rating:

In an effort to better our services, we conduct an ongoing survey. Check out the survey results and see what the existing and past clients have to say about us:

  • Overall satisfaction
    The graph below shows the percentage of people satisfied after they spoke to us.
    Client Satisfaction Rate
    Very satisfied: 71%
    Satisfied: 13%
    Undecided: 6%
    Dissatisfied: 3%
    Very Dissatisfied: 7%
  • Ways to Contact
    The graph below shows the percentage of people using different mediums to contact us.
    Contact Medium Usage Rate
    Telephone: 52%
    Support Request: 17%
    E-mail: 27%
    Fax: 0%
    Other: 4%
  • Customer service
    The graph below depicts the satisfaction level for the less time taken by our team to solve various queries.
    Customer Service Quality Rate
    Very satisfied: 71%
    Satisfied: 14%
    Undecided: 5%
    Dissatisfied: 3%
    Very Dissatisfied: 7%

*Client names have been changed to protect privacy
**Represented feedbacks have been randomly selected from clients who took part in survey organized by OVLG
By Client YL*
profile pic Financial Coach:Robin Nelson
Rated by client: 
Client Relationship Manager:Scott Davis
Rated by client: 
Preferred Contact Medium:TelephoneOverall Satisfaction Level:Satisfied
YL's Feedback: Great job

By Client SB*
profile pic Financial Coach:Michael Grayson
Rated by client: 
Client Relationship Manager:Kevin Anderson
Rated by client: 
Preferred Contact Medium:EmailOverall Satisfaction Level:Very Satisfied
SB's Feedback: Kevin, has been very proactive with contacting me via email with my account. Service and communication standards can be rated on a scale of 1-10 and 8.5 at the moment. I can appreciate that Kevin acknowledges my emails in a timely manner. Continue the awesome job Kevin and we can get this situation resolved. Thank you Kevin Anderson for and awesome JOB!
Suggestion: Send out to the client a monthly update regarding the progress of their account.

By Client WL*
profile pic Financial Coach:Robin Nelson
Rated by client: 
Client Relationship Manager:Patrick Kelly
Rated by client: 
Preferred Contact Medium:EmailOverall Satisfaction Level:Very Satisfied
WL's Feedback: I WORK MANY HOURS AND THE BEST WAY TO CONTACT ME OR I CONTACT MY COUNSELOR WILL BE BY EMAIL. THANK YOU FOR ALL THE HELP
Suggestion: NO CHANGES

By Client DT*
profile pic Financial Coach:Vernon Smith
Rated by client: 
Client Relationship Manager:Mark Kelly
Rated by client: 
Preferred Contact Medium:TelephoneOverall Satisfaction Level:Very Satisfied
DT's Feedback: It has been a pleasure working with Roger Sampson. Thank you for everything!

ipadcontest

Win Ipad Contest

Follow and like OVLG
&
Get a unique chance to win free iPad!! ?


Ipad

Page generated in 1.95 seconds on 23 Apr 2014 at 14:32:52