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

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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

Wed Apr, 2019 Review: DS1 saved $3068.36

Client satisfaction level:

Check Video Transcript

DS1 from TX saved $3068.36

Hey everyone, my name is Darrell. I live in Texas and this story is a little embarrassing, but since Oak View law group helped me out so much, I thought I'd take a few minutes to share with you my story, and how they were able to help. I've always sort of worked in a line of work where over time was almost required. I've been working overtime for you know four or five years before this happened but basically towards the end of 2015. I transferred to a new company and while I said over time was going to be there around Christmas time. It kind of went away and they never came back so I was constantly finding myself in need of more cash. so I did the dumb thing and I started going with payday lenders but under the assumption that at some point overtime would come back. well a year and half later the overtime never came back and one payday loan turned into two and then into three and then to 4 into 5 and over the course of a year and a half I actually racked up about 11 grand in debt and there was no way I could keep making even the minimum payments on those payday loans and installment loans. so I was in a bind, so I started looking around at my options. I was trying to find a debt consolidation company online that could help me with this problem and a lot of the sites that I found they didn't seem credible. They didn't have really good reviews but when I found out OAK VIEW LAW Goup they were different. They had lots of good video testimonials, hopefully mine will be up there someday and their website seemed really really well put together and they seemed like they had their stuff together. so I decided to get all my financial paperwork together and give them a call and the gentleman who assisted me on that initial call he made it seem like it was no big deal. He's like he took all my information and he said don't worry we'll be in touch we've got this so what they did was they asked me you know of course who do I owe money to how much do I owe and then they asked me well how much can you afford to pay each paycheck. so we worked that out with them and I set up an automatic draft through them and I paid them every paycheck and overtime. let's see I started in I started in June of 2017 that was my first contact with OAK VIEW LAW group and today is January 31st 2019, that's about a year and a half and I am completely debt free that 11,000 I had racked up is gone. so I'm pretty happy about that they kept me informed throughout the process. They let me know when they contacted the the creditors, they let me know if a creditor made an offer and I could either choose to accept or or deny the offer and Oak View Law Group always gave me advice on whether or not I should take the offer and I usually follow their advice because it was it was always good and things have had a question I could always contact my customer service representative. mine was SANDRA GIBSON I usually emailed her, I never called, I think I called a couple times but she always got back to me promptly and quickly answered my question and everything was good, and yeah there really were no hiccups along the way they even a hurricane came through. Texas and we were out of work for a couple of weeks and OAK VIEW LAW Group was able to postpone my payment you know during that period which was really helpful. so I just another good thing about them they will work with you and your budget, um let's see what else oh yeah I'm supposed to say how much I saved because I did save a bunch like I said my total debt was 11 grand oh cool our group was able to settle it for about seventy four hundred bucks which is the savings of almost three thousand bucks which is awesome. I could have never done this on my loan but I'm sorry I could have never done this by myself, it was just too much to take care of, so I needed somebody I could that could that could do this for me and they were able to do it and, of course they deserve to be fade so the fees I ended up paying was $2,400. so even with what I saved that's still less than the eleven thousand that I initially dug myself into. so I consider that to be a more fair price and you know like I said the whole experience was was positive glad to be out of debt. I'm glad I found OAK VIEW LAW GROUP and if you find yourself in a similar situation I hope you have a OAK VIEW LAW GROUP a chance because um they really came through for me and I really appreciate it so. If you have any questions you know just pick up the phone a call because their help that's what they do and they're really good at it. so thanks for listening to my story and if you're in a bind like I was good luck, give oak view law group a call and they'll take care of you. Alright, Cheers

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* 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.

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.