Credit card consolidation helps you repay bills by merging them into one easy monthly payment. Get legal help to consolidate credit card debt.
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Credit card consolidation - Dump high interests and pay one bill

Credit card debt consolidation is a savior for all those who are drowning in credit card debts. It accumulates the outstanding balance in one place and allows you to make only one payment every month.

Credit card consolidation pros

  • Can pay off credit cards easily
  • Enjoy a super low interest rate
  • Make affordable monthly payments
  • Take care of only one bill each month
  • No late fees and overlimit charges
  • Less collection calls

Credit card consolidation cons

  • May get into debt again as you relax more
  • Some companies charge high fees
  • You may lose assets (secured consolidation loan)
How much can you save?
Monthly payment you can afford
($)

How to consolidate credit cards with OVLG

Once you know what is credit consolidation and how it helps you become the master of finances, you can reach us instantly. We will help you consolidate multiple credit card bills as quickly as possible.

OVLG Credit Card Debt Help Cycle
Fri May, 2013 Review: KC saved $3317.33
Client satisfaction level:
      
* Client names have been changed to protect privacy


When you should or shouldn’t go for credit card consolidation

It’s not too late yet. You still have a chance to save your wallet and credit score. All you need to do is consolidate credit card debt right now. But before you begin the process, let’s find out a little bit about the scenarios when it will work best.

Should
  • Want getting a reduced interest rate
  • Wish to get a fixed interest rate
  • Wish to kick out credit card debt fast
  • Want to pay one bill every month
Shouldn’t
  • Can’t even pay one bill on time
  • Have secured debts
  • Have enough money to manage credit cards
  • Don’t know how much your savings will be

3 Best ways to consolidate credit card debt legally

1 Credit card consolidation programs
2 Balance Transfer
3 Credit card consolidation loan

Scenario 1:
You want to switch from multiple payments to one

Best way to consolidate credit cards:
Credit card consolidation programs

How it works:
The best option for consolidating credit cards since you make only 1 monthly payment to credit card consolidation companies.

Effect on credit:
It has a positive effect on your credit score.

Tip: Check if the credit consolidation reviews and find out if the company is trustworthy.

Consolidation program

Scenario 2:
You can manage money really well and your credit score is good.

Best way to consolidate credit cards:
Balance transfer

How it works:
Here you consolidate credit cards into one card with 0% APR available for a very short period of time.

Effect on credit:
Your credit score may drop initially.

Tip: Pay off the entire balance within 6-12 months to avoid paying high interest rate.

Balance transfer method

Scenario 3:
You want to get rid of credit card debt now and have assets

Best way to consolidate credit cards:
Credit card consolidation loan

How it works:
Here you actually consolidate credit card bills into a personal loan which has to be paid off after a certain period.

Effect on credit:
It makes a positive impact on your credit score.

Tip: Check out the loan term and rate to avoid paying more than what you expected.

Consolidation loan

Credit card consolidation companies - Checklist to pick the best

  • Check the breakdown of fee structure
  • Check the affiliations
  • Check how long and how much to pay
  • Check their credit consolidation reviews
  • Check their industry experience

Alternative options to reduce credit card debt

1 Credit card debt settlement:
Wondering how to get rid of credit card debts without fast? Shake hands with debt negotiators to reduce your outstanding balance.
2 Credit card debt management:
It helps you eliminate credit card debt legally with smart budget plans and reduced interest rates.
3 Bankruptcy:
Thinking how to get rid of credit card debt legally? File Chapter 7 bankruptcy to discharge debts within 3-4 months.

Having problems with credit cards?
Want to eliminate credit card debt legally?

Call us at (800)-530-OVLG to get professional help
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Pages

7 Debt consolidation mistakes: Common traps which you should avoid

7 Debt consolidation mistakes: Common traps which you should avoid

Date: 03:16 am 19th Aug, 2015 Article Rating: 
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If you’ve accumulated a large amount on your multiple credit cards and have chosen to consolidate your debts, then you need to be extra careful. There are a number of debt consolidation companies appearing at every corner of the street, claiming as a good service provider. It’s not that all such [...]... Read more


5 Mistakes which can prolong the debt consolidation process

5 Mistakes which can prolong the debt consolidation process

Date: 03:04 am 5th Aug, 2015 Article Rating: 
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If you’re drowning in credit card debt, then you must be thinking of ways to reduce your debt burden. Remember, accumulating a huge amount of debt may hurt your credit score and make you ineligible for further lines of credit. But, before choosing a debt consolidation company for consolidating [...]... Read more


How to spot and avoid debt consolidation scams

How to spot and avoid debt consolidation scams

Date: 03:40 am 27th May, 2015 Article Rating: 
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Scam debt consolidation firms mainly hunt on people who are desperate in search of a way out to their mounting debt problems. People whose credit scores are bitter or already ruined often fall prey to debt consolidation scams. While the legitimate ones help you keep calm and stay afloat, the scam [...]... Read more


Say NO to debt consolidation loan and other balance transfer methods

Say NO to debt consolidation loan and other balance transfer methods

Date: 11:36 pm 3rd Nov, 2014 Article Rating: 
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For many years now, debt consolidation loans and balance transfer methods have remained the sole resort for numerous debt ridden individuals out there. These two debt relief ways boast of offering you the most convenient ways to get out of debt by offering a relatively lower, single and an [...]... Read more


Frequently Asked Questions on Debt Consolidation

Frequently Asked Questions on Debt Consolidation

Date: 11:19 pm 9th May, 2014 Article Rating: 
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1. How can you consolidate debts? You can consolidate your debts on your own with a debt consolidation loan, or you can sign up with a debt management company that offers debt consolidation services. 2. What is a debt consolidation loan? A debt consolidation loan is a low-interest loan that you [...]... Read more




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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.

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