The waterfall approach to becoming debt free:

We will help you choose the right debt relief option using unique waterfall approach.

Stop harassing collection calls

Lower your monthly payments

Reduce interest rates

Waive off late fees

Make only one monthly payment

Get debt free and regain financial freedom

Stop harassing collection calls.

100% money back guarantee.

Unique waterfall approach to be debt free.

Provide secured client service area.

Full transparencies to the work being done.

One support associate for one client.

44% of average settlement rate.

About 500 settlement offers made till date.

Thousands of satisfied clients.

Signup for Legal Debt Counseling

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Debt Amount:	Select... Under 10K $10,000 - $19,999 $20,000 - $34,999 $35,000 - $49,999 More than $50,000

What happens once you signup?

A Financial Coach will contact you over the phone.

He/she will review your financial situation and suggest the right debt solution for you.

Once you approve, he/she will start negotiating with your creditors to reduce your outstanding debt amounts or lower interest rates and waive off any late fees or penalty charges.

The financial coach will also help you with budgeting tips and guide you in improving your credit score.

Need quick help

(Provide us your phone no. we will call you back.)

Ext.

Client signs up for budgeting and bill pay

Future Scenario 1: Clients financial situation improves.

Great !! OVLG will work with the client to pay off the debt faster.

Future Scenario 2: Clients financial situation remains the same.

We will continue with the budget and pay off the debt as planned.

Future Scenario 3: Clients financial situation becomes worse.

The client has an easy option to fall back to debt management. All the fees paid towards budgeting and bill pay are credited towards debt management. No new fees are charged for creditor enrollment or for the past months.

Client signs up for interest rate negotiation

Future Scenario 1: Clients financial situation improves.

Great !! OVLG will work with the client to pay off the debt faster.

Future Scenario 2: Clients financial situation remains the same.

We will continue with the budget and pay off the debt as planned.

Future Scenario 3: Clients financial situation becomes worse.

The client has an easy option to fall back to debt settlement. All the fees paid towards debt management are credited towards debt settlement. No new fees are charged for creditor enrollment or for the past months.

Client signs up for interest + principal negotiation

Future Scenario 1: Clients financial situation improves.

Great !! OVLG will work with the client to pay off the debt faster.

Future Scenario 2: Clients financial situation remains the same.

We will continue with the budget and pay off the debt as planned.

Future Scenario 3: Clients financial situation becomes worse.

The client has an easy option to fall back to either chapter 13 or chapter 7 bankruptcy. We give up to $500 credit for fees paid towards interest rate negotiation or interest + principal negotiation.

Client signs up for chapter 13 bankruptcy:

Future Scenario 1: Clients financial situation improves.

Great !! We will stop you from going bankrupt.

Future Scenario 2: Clients financial situation remains the same.

We will continue with the budget and pay off the debt as planned.

Future Scenario 3: Clients financial situation becomes worse.

The client can fall back to chapter 7 bankruptcy by paying $16 in conversion fees.

Client signs up for chapter 7 bankruptcy:

Future Scenario 1: Clients financial situation improves.

Great !! We will stop you from going bankrupt.

Future Scenario 2: Clients financial situation remains the same.

We will continue with the budget and pay off the debt as planned.

Future Scenario 3: Clients financial situation becomes worse.

We will work with the trustees to get the debts discharged for as little as possible.