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Home » Debt Relief » Get out of debt

Get out of Debt legally with 4 simple debt solutions

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* Client names have been changed to protect privacy

Are your debts spiraling out of control? Then you should work seriously to get out of this situation. You can get out of debt and regain control over your financial situation without much effort. But you need to find a suitable debt relief plan in order to get rid of debt. If you seek help from a professional debt arbitrator associated with a debt relief company then you can easily get out of debt.

You can successfully get rid of debt by selecting a suitable debt solution according to your financial situation. Before you choose a debt solution make sure that you get proper information about the 3 popular debt relief programs.

How debt solution program can help you get out of debt?

Before selecting anyone of the debt solutions to get out of debt make sure you acquire information about the different debt relief programs. You should take help of a financial expert who can guide you choose the right debt solution. Determine when you can choose the right debt solutions according to your financial state by reading the following points:

Debt management

In a debt management plan the certified credit counselor negotiates with the creditors to lower the interest rate on the outstanding balance. He also designs a budget plan in accordance with your financial situation to help you get out of debt. Learn more...

Is debt management plan right for you?

A credit counselor will recommend a debt management plan after evaluating your financial situation. The interest rates are reduced after the counselor negotiates with the creditors. The amount is distributed among the creditors once you make your monthly payment. You are required to make the payment till you are debt free.

Settlement program

Debt settlement is an appropriate debt relief program if you like to lower your outstanding balance to pay off your bills. You can either pay off the creditors through one lump sum payment or in monthly installments. Learn more...

Is debt settlement program right for you?

When you hire the services of a settlement company then it will open a trust account for you. During the settlement process you will have to make your monthly payment to the company instead of your creditors. The debt arbitrators negotiate with the creditors when a considerable amount is accumulated in the trust account for months. You pay less than you originally owed to the creditors when you settle your debts.

Consolidation program

Debt consolidation program is a suitable debt relief program for people with multiple bills. If you look for consolidating your multiple bills into a single monthly payment and lower the interest then a consolidation program will be the right option for you. Learn more...

Is debt consolidation program right for you?

The debt arbitrators can help to lower the interest rate on the principal balance. They negotiate with the creditors to waive off the late fee and over limit charges. You can manage your multiple bills by making a single monthly payment to the consolidation company. The monthly payment will be disbursed among the creditors by the company in due time, thereby making you debt free. You have to make the payment until you are able to recover from your financial trouble.

Filing for bankruptcy

Bankruptcy is a legal proceeding you undertake when unable to repay outstanding debts. You need to begin by filing a petition which will be reviewed and evaluated. Finally, after successful completion of the bankruptcy proceedings you'd be relieved of your debt obligations. Learn more...

Is bankruptcy right for you?

If you're looking for a fresh start, then bankruptcy is the right option for you. Your debts stand forgiven while the creditors also get a chance to obtain certain measure of repayment from you. This depends on the kind of assets you've got. There are various chapters as per the United States bankruptcy Code under which you can file depending upon your situation.

5 simple steps to get out of existing debt and stop accumulating further debt

Your financial situation will be analyzed by a financial expert before he recommends you a debt relief program. Here are a few essential steps that you need to keep in mind to attain financial freedom:

1. Plan a budget: Create a stringent budget plan so that you can track your monthly expenses. It helps to evaluate and understand where you are with your personal finances. Prepare an excel sheet where you can include your expenses as it helps to calculate your total monthly expenditure.

2. Avoid new debts: It will be a wise decision not to take out more loans when you are struggling to come out of debt. Therefore, avoid using credit cards as it tempts you to spend more than you can afford. Instead of cards carry cash as it helps you stay within your budget.

3. Curtail your expenses: If you inculcate a good spending habit then you can curtail your expenses. Review your budget plan so that you can check how you have spent your money. If you are working on getting out of debt then avoid unnecessary expenses.

4. Boost your income: Increase your income by working from home during your spare time. You can sell your stuffs online or take a part time job so that you can give more money towards paying off your debts.

5. Create an emergency fund: Deposit a portion of your income in the savings account so that you don’t need to skip your bill payment to pay for the unexpected expenses. In time of financial crisis you can take out money from the emergency fund instead of taking out new loan.

Top Questions
Got any queries?

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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
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1
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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 »


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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
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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 »


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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 »


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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 »
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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 »
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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 »
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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 »
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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 AO*
profile pic Financial Coach:Michael Grayson
Rated by client: 
Client Relationship Manager:Scott Davis
Rated by client: 
Preferred Contact Medium:TelephoneOverall Satisfaction Level:Very Satisfied
AO's Feedback: i just wanted to say again how glad i am to have scott davis for my relationship manager. he does a great job with creditors .
Suggestion: yall do a wonderfull job.

By Client SR*
profile pic Financial Coach:Michael Grayson
Rated by client: 
Client Relationship Manager:Timothy Smith
Rated by client: 
Preferred Contact Medium:EmailOverall Satisfaction Level:Very Satisfied
SR's Feedback: Ruth Roberts is amazing, understanding with my difficult situation and has helped so much. And she understands how hard it is to reach me by phone. She is AMAZING

By Client RG*
profile pic Financial Coach:Shane Rogers
Rated by client: 
Client Relationship Manager:Pierson Silver
Rated by client: 
Preferred Contact Medium:Support requestOverall Satisfaction Level:Very Dissatisfied
RG's Feedback: Many times I have tried to communicate with Thomas brown because he doesn't answer customer may sometimes answer or hangs up on it. I eventually get through and learn that Thomas brown is sick, out, on vacation something is always happens. Sean Pearson has been very supportive therefore Neta suggested I request my Filene moved from Thomas to Sean. Please submit request thank you.

By Client MO*
profile pic Financial Coach:BG
Rated by client: 
Client Relationship Manager:Simon Green
Rated by client: 
Preferred Contact Medium:TelephoneOverall Satisfaction Level:Very Satisfied
MO's Feedback: Santiago has been a pleasure to work with. He has kept me up to date on all of my accounts and always answers my questions in a timely manner. Thank you Santiago and Oak view for all of your hard work!
Suggestion: None

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