Helpful tips and good habits to get and stay debt free

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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

Debt free solution

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

Waterfall approach to debt free life works

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.

Debt Settlement

Debt consolidation

Debt management

Bankruptcy

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 Nov, 2018 Review: RW1 saved $2683.83

Client satisfaction level:

Check Video Transcript

RW1 from MI saved $2683.83

Hi my name is RW1, I just want to make this quick video to say how much I appreciate OAK VIEW LAW group and especially Harry Miller. He's been my CRA through this whole process. I started back in June so it's been about five months since I've been in the program. I've only got four more credit cards left to go. I had four payday loans that I had, I had seven or eight credit cards I think and we're down to the last four. So I cannot express enough how much I appreciate Harry who like I said was my CRA and just working hard and he's been super, straightforward, and honest and emails me back right away and I live in Michigan so there's a three-hour time difference between me and California and I'll message him, I'll email him at 8 o'clock my time and boom! I'll get a reply and second. So this man I don't know if he doesn't sleep or what but I appreciate him and I just wanted to say thank you so much for helping me through this and I'm so less stressed now and now. I can just focus on my schooling and work hard to get my credit score back up to where I want it to be and hopefully buy a house in the future, thank you

Read case study »

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

OVLG gives free debt advice to

What's more

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.

Eager to get debt free?
Pick up your phone and call at (800) 530 - OVLG
Get right advice and enter into the debt free zone