BBB-A-Rating
Notice: As a part of OVLG's preventive measures on COVID-19 outbreak, our office will remain operational with reduced staff from home. You may face issues with the phone due to routing issues or get delayed response. So we prefer that you send us an email or make a support request for assistance. For new clients, please use our chat system.

OVLG Blog

9
November
2009
People tend to spend much more during festivals like Christmas or thanks giving, rather than ordinary days. They are unable to secure their budget and overspend their credit card and rack up into huge amount of debt. Debts in future can cause mental and physical distress, as the person has no way out to pay back one's debts and lies financially handicapped. In order to get out of this one should be well versed of the shopping tips! Firstly, one should be aware of one's spending limits. Consumers are advised to set their spending limits before shopping according to their budget. At times it is important to calculate the previous spending mistakes. It should be made sure that one uses hard cash or a debit card to make a payment. One should search for the best deal which would fit his budget, taking care of his financial condition. When an online shopping is done one is ought to get a lot of discount as it waives off the shipping charges, as well as the charges for gifting and wrapping. This is how one can take care of one’s financial condition as well as remain debt free!

OVLG Blog

5
November
2009
Most settlement companies use false relay calls to target on customers who are in need of debt help. They are promised of either lowering down the interest rate or settling the debts by lowering the percentage of the money owed. If suddenly one gets to know that there is an easy way to pay off the credit card debts, it might sound appealing as every individual in debt struggles to do that and nearly all settlement companies across the country claims to do that by either lowering down the interest rates or reducing the owed amount. It has been observed that most of the relief companies are nothing other than scam companies run by the con-artists who can’t deliver on their promises. At the end of the day it would be a nightmare when things would prove different and would be found that the consumer had already lost hundreds of dollars in fees and is in the worst financial condition, penalties had been added as well. Be aware of debt settlement companies which falsely offer a lump some debt settlement. They might claim to offer a settlement of nearly 50% of the total debt amount, but in reality they hardly obtain the amount promised!

OVLG Blog

3
November
2009
FTCs stringent rules for debt settlement companies
The debt free making system has helped hundreds people stuck in never ending and ever deepening debts. The debt settlement companies are trying to help the customers but are facing immense problem. The Federal Trade Commission (FTC) is trying to fight against abusive telemarketing by the settlement companies, who negotiate with the creditors to settle debts for less than the actual amount. Debt settlement companies should be barred from receiving any fee until they have provided clients with documentation of a particular debt that has been re-negotiated, settled, reduced or otherwise altered. Improved disclosures are must for all debt settlement companies before they render any type of help to the customers. FTC ensures that customers do not pay for false promises rather than real results. Customers are thoroughly confused about the differences between debt settlement, debt counseling and debt consolidation. Instead of putting a ban on the fees, strong consumer protection is more important. Generally speaking, debt settlement companies get bad reputation because people would like to master it as a non-profitable organization. When things are measured, it has been noticed that most of the settlement companies lead the customers to file up bankruptcy. The association of settlement companies (TASC) removes a viable option for consumers who are suffering from unsecured debts. There is however a debate on the fact that settlement companies should be paid more incentives as a motivation to perform well. The proposed fee structure should allow customers to be satisfied, in case if they are not, a change of providers is always allowed. All they want is relief from financial stress and collection calls. They are happy to free themselves out from the abusive harassment calls and daring threats! More needs to be done to educate consumers on various options that they have to resolve their debt and the differences among those choices. They also must be assured that they will get what they pay for.

OVLG Blog

31
October
2009
Dear Bloggers, At OVLG, we believe that our clients come first. We always try to provide best service to our clients and work very hard to have satisfied customers. If one of our customers gets unsatisfied due to unforeseeable reasons, we want to take proactive steps to resolve the problems and try that same errors never happen again. Implementing blogging feature in our website is one of the proactive step where our existing clients, employees, prospective customers and others can share their thoughts, ideas and experiences. Wish you a happy blogging! :)
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Oak View Law Group is one of the best law firms in the country. Registered with CalBar and Cal Chamber, this law firm has been protecting rights and alleviating financial stress of consumers since 2007. The firm has more than 363 live reviews to it’s credit and 5 star rating from the TrustLink. Continue reading


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