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Why should you be debt free and how to do it?

If you can't control your emotions, you can forget about leading a debt free life.

Staying debt free is an art. The one who learns this art fast can lead a happy financial life and the one who doesn't is doomed to lifelong miseries.

How to become debt free through OVLG

OVLG helps you in becoming a debt free man through its much talked about Waterfall approach to debt free™ life. This approach is very unique as it helps you select the right solution on the basis of your financial and debt situation.

How it works

Like it has been said, Waterfall approach to debt free™ life gives you the best solution as per your financial health and debt situation.
Find out how it works and helps you choose the right debt free option.

Financial health

  • Not bad - Few unpaid bills
  • Struggling - Unable to pay monthly bills
  • Poor - Huge bills and missed payments
  • Worse - Unpaid debts and property at risk
  • Worst - Unpaid debts with small income
Waterfall approach to debt free

Debt free solution

  • Budgeting and bill payment
  • Debt management plan
  • Debt settlement program
  • Chapter 13 bankruptcy
  • Chapter 7 bankruptcy

Selected the debt free solution that works best in your current financial situation? Good. Now click on the solution on which you want to get help from OVLG.

Why you should get advice on debt free life from OVLG

Here are a few reasons why you should be getting debt free advice from OVLG.

  • You get right advice on how to get debt free
  • You get a list of debt solutions in 48 states
  • You can compare and choose the right option
  • Your personal information remains private
  • You can get an idea of your expenses and savings
  • There's a panel of attorneys to advise you
Mon Sep, 2018 Review: BF saved $3645.47
Mon Sep, 2018 Review: BF saved $3645.47
Client satisfaction level:
Check Video Transcript
* Client names have been changed to protect privacy

How to stay debt free life long

Staying debt free is as important as getting out of debt. To live debt free life, you should have an idea about your finances. Here are some steps you can take:

  • Save whenever you can to build wealth
  • Allocate your savings to different accounts
  • Automate payments to keep your accounts in good shape
  • Use different credit cards for specific purposes
  • Pay off your credit card bills every month
  • Adjust your budget as per your income and expense changes
  • Track your personal financial performance frequently
  • Resist temptations, control emotions and restrict expenses

Know how to live debt free using these 7 solid actions ...

8 Habits you should have for a debt-free life

So you want to have a life free of debt? But, what kind of habits should you practice every day? Find out on your own.

  1. 1 Ask for lower interest rates when you've good credit
  2. 2 Act as per your long-term financial goals
  3. 3 Ask for forgiveness whenever you're paying late
  4. 4 Ask financially successful people for free debt advice
  5. 5 Imagine you earn less and then make a budget accordingly
  6. 6 Reduce your expenses as per the budget
  7. 7 Set aside money for your emergency fund
  8. 8 Know your net-worth before signing papers

Debt free living tips you can't miss out

Here are the 5 debt free tips you shouldn’t miss out when creditors are knocking at your door for payments.

  • Call at 800-530-OVLG to know how to be debt free
  • Create a budget to find your path to financial freedom
  • Increase your earning potential to pay bills and save as well
  • Calculate how much you've to pay to be debt free
  • Check out various debt solutions
Explore 21 simple debt free living tips

How to become debt free fast in 5 years

Getting out of debt is far more difficult than getting into financial problems. Sometimes, it feels like debts would never go away from your life. But this isn’t true. With the right steps, you can attain financial freedom one day. However, if you want to start living a debt free life fast, then you have to be extra cautious. Recently, we spoke to a few financial experts to know about a few steps to become debt free fast in just 5 years. Here are a few of them.

  • Negotiate with collection agencies: Irrespective of the amount you have, chatting with creditors is an effective step to lower your payoff amount. Sometimes, creditors agree to put you on a 5-year payment plan at a fixed interest rate when they feel that you’re in a genuine financial problem. This gives you a lot of relief since you know how much you have to pay and for how long. There won’t be any ugly surprises.
  • Change your spending habits: Reckless spending won’t help you to live debt-free. You need to change your spending habits, and to do it, you have to create a budget first. A budget plan shows you where you’re overspending, where you can cut down expenditures, and save more money to repay your bills within 5 years.

    Look at your budget and analyze each category. Find out where you can reduce expenses and change your spending habits accordingly. Some key areas where you can change your spending habits are cable, subscriptions, memberships, insurance, etc.
  • Get a side hustle: Many people say that the best way to become debt-free is to increase your income. Extra cash can help you in living a debt-free life. You can use it to pay off your debts.

    Get a side-hustle to accelerate your income. Do a part-time job or start a small side-business to earn extra money and fulfill your financial goals. Sell unnecessary items online or drive for Uber or do freelancing to get extra cash. When you want to get out of debt fast, you need to make an extra effort.
  • Start making payments: After you have negotiated with creditors, it’s time to start making payments. Follow the repayment plan for 5 years. If the payment plan doesn’t work for you after a few months, then call 800-530-OVLG to settle or consolidate your debts. When your accounts are in best hands, you can live in peace. Our Financial Coach will negotiate with your creditors and create an affordable repayment plan to help you kick out debt within 2-3 years. You don’t even need to wait for 5 years.
Video transcript on: Why Should You Be Debt Free And How To Do It?

why you need to be debt free and how to do it?

Hi all! Welcome to Oak View Law Group, that's OVLG where clients come first. In this video, we are going to talk about why you need to be debt free and how you can do it.

So guys please stay tuned because your life is going to change in the next few minutes!

Now there are a million reasons why you should become debt free but I narrowed down to the top 3 reasons. There is no point in beating the bush.

First, when you’re in debt, a chunk of you money is being spent on credit card interest rates. Second, late fees and penalties are going to drive your credit card bills higher and higher. So you have to pay huge credit card bills every month, and you can hardly save any money. Third, debt collectors call you everyday and make your life hell.

When you become debt free, you will feel relaxed and happy. You don’t have to pay high-interest rates or deal with aggressive collection calls. You can finally enjoy your hard earned money and rest easy.

Over the last 9 years, OVLG has helped thousands of debtors to be debt free. Watch the testimonials and find out how our clients feel after paying off their debts. Hear the life changing stories right here and right now:

Hello! My name is KC2 and I am a client of Oak View Law Group. They helped me in getting on back on track and back to debt free which I will officially be in about eight months. I worked with my CRA who name is Sandra Gibson. She was great she was always finding ways to help save me even more and she helped me reduce my debts and save approximately thirteen thousand dollars and I couldn't have done it without her because I was kind of lost. So thank you a Oak View Law Group and Thank You Sandra Gibson for all you can do or all you did for me and I thank you for helping me get debt free.

this is for Oakview law group. I had we had some financial difficulties and credit card debt and everything. My husband and I was really concerned and people were you know sending things in the mail and it was very annoying, very tough and so I started looking into through suggestions from friends and I started looking into these companies that help you pay off your debt and they don't they you pay less than what your debt is so but you worry when you hear things like this you think really is this true can this really happen. so I interviewed a few companies and I came up with Oakview Law Group and Thomas. And really I'm so happy. I can't tell you how happy I am. Everything they said they were going to do they did and then some and he took care of our bills. They were unbelievable. How much money we saved really and he called when I needed him to call me or vice-versa. It was just easy it was so easy. he made my life go from stress - stress free in this area and I'll never be able to thank him enough. Thomas, the reason I chose Thomas is I as I said I come on the phone I interviewed some other companies and he was from the mmm excuse - me from the get-go. He was kind understanding helpful he listened. I don't I there's not enough I can say about him and the company so if you're thinking of using a company or a person to help you, relax and have peace of mind and get back to a normal life. Thomas at Oak View Law Group, I couldn't be happier.

Hi my name is KL, I have been with OAK VIEW LAW GROUP for almost a year in December, it's gonna be a year. I had a lot of issues with MONEYKEY and they hired someone N.A.M LLC who basically told me they were going to sue me and harass me and tell me I needed to make a payment by Thursday in order to avoid being sued in taking court for fraud. A lot of stress has happened with that and in the last 24 to 48 hours. Paul, Tracy, Steve have all worked really hard to get them to sort that out. They've got a really good deal. I am eternally grateful for that. I would have been dying with lots more stress had I not had OAK VIEW LAW and Paul and Stephen, Tracy working with me on that. So, I just wanted to shout out to them and let them know but I really appreciate their work in the need to keep doing what they're doing.

So now as you know why being in debt is not okay, let’s talk about how you can get out of debt in 3 simple steps.

The first step is short and simple. Call 800-530-OVLG and get a free counseling session to know your debt free options like debt settlement, debt consolidation, debt management, etc.

The second step is not that tough either. Look at all the options and choose the one that will help you to become debt free fast.

The third and the final step is to enroll in a debt relief program and watch your debt dissolve without leaving a trace.

So what are you waiting for? Speak to one of our counselors to find your way to a debt-free life.

Last Updated on: Mon, 4 May 2020