OVLG debt management lawyers lower your interest rate, help you save money and improve your credit score. Find out how to get the best help.
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Saved $5260.88 from TD Bank
150+ success stories
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84% clients are satisfied
  • With our ability to deliver faster results
  • With our team's prompt contact response
  • With our No Result Refund Policy

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Why people trust us
  • A rated in BBB
  • CalChamber Member and Calbar Registered law firm
  • 197 people rated us 5 Stars on Trustlink
  • Affordable fees
  • Strong privacy policy
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Transparent work progress
  • We follow the FTC rules
  • Get a breakdown of fee structure
  • Get personalized and secured client area
  • Monitor your case 24*7
  • Get Sample agreement
How we work
Get a call from a Financial Coach
Understand the program
Sign the agreement
We negotiate debt for you
Become debt free

Debt management plan (DMP) - How to use it to get best help

Debt management plan or program is a process wherein credit counselors approach your creditors and propose a mutually agreeable payment plan. This program is also offered by debt management companies and registered law firms in the country such as OVLG.

OVLG debt management plan - How it helps you

  • Offers a personal budget plan
  • Drops the number of collection calls
  • Reduces monthly payments
  • Removes fines, late fees and penalties
  • Brings down your interest rates
  • Helps you make affordable monthly payments
Compare OVLG with others & then trust us

Why your current monthly payments are not enough

Are you wondering why can’t you eradicate your credit card debts in spite of making payments every month? What’s wrong? Actually, your outstanding balance is not getting less because of the following reasons.

  • Your current monthly payment plan is beyond your budget
  • You’re paying extra money on late fees and penalties as you’re past due
  • You can’t manage your expenses within your income

How much you can save with OVLG DMP

OVLG debt management program can help you attain financial freedom quickly since more of your money will go towards the outstanding balance on your credit cards. Moreover, lower interest rate helps you save money.

How much can you save?
Monthly payment you can afford
$
.00
As per FICO, Debt Management Program will not hurt your credit score

Why OVLG should manage your debts

  • Lowers your interest rates
  • Is a registered law firm
  • Follows FTC laws and protects your privacy
  • Has more than 300 positive live reviews
  • Has 84% client satisfaction rate
  • Gives you 100% refund if it can’t manage your debts
  • Has been managing debts for 8 years in 48 states
Mon Aug, 2016 Review: MD1 saved $1967.8
Client satisfaction level:
      
* Client names have been changed to protect privacy

Key players in debt management program and their role

The 3 main players in a debt management program (DMP) and their roles are:

OVLG Attorneys

Create a budget:
Our debt management lawyers will create a budget that works for you.

Act as an intermediary:
Our debt management lawyers will act as an intermediary between you and your creditors.

Negotiate and process payments:
Our debt management lawyers will negotiate to reduce rates and then transfer your money electronically.

Keep you updated:
The lawyers will give you a periodical report on your payment progress.

Creditors

Receive payments:
They really don’t have much to do apart from receiving the agreed amount from us.

Stop collection calls:
Actually they still can call you. But, what they can do is make less calls or talk with us regarding any issues.

Report properly:
Your creditors will update your credit report once you start getting help with debt management. *

Waive off late fees:
Your additional interest rates and penalties will be waived off through debt management services.

You, the debtor

Know about the process:
Learn what is a debt management program first. Get familiar with budgeting and proper way to use credit.

Get a written payment plan:
Before saying yes to debt management companies, make sure you get a proper payment plan.

Steer clear of new credit:
Try to avoid applying for new credit since your present creditors may refuse to offer concessions.

Track client secure area:
Monitor your payment progress whenever you can. Check creditor statements as well.


* Creditors will report that the debt has been paid in full after you complete the program.

DMP or debt management plan - Do’s and Don’ts

Do's
  • Check which debts will be included
  • Pay your creditors till the plan gets approved
  • Check out the online reviews of debt management companies
  • Live as per your budget
  • Earn more money to make extra payments
  • Read your monthly statements
  • Contact debt management companies when you can't make payments
  • Check and confirm if creditors have accepted the plan
Don’ts
  • Never pay upfront fees
  • Don’t sign up if you can’t make monthly payments
  • Don’t get swayed by false promises
  • Don’t get confused between debt consolidation and management
  • Don’t be impatient

Best debt management plan advantages

  • Helps you stay and get out of debt
  • Gives you a practical budget and a financial goal
  • Makes creditors see you favorably
  • Gives less headache to creditors as they get paid every month
  • Helps you get lower monthly payments and less calls from creditors

Best debt management program - How to choose

What you must not forget to check:

  • Breakdown of fee structure
  • Client feedback
  • Certification of credit counselors
  • Company affiliation

Steps to get best help with debt management

1 Ask when you’ll be debt free:
It may take as long as 48 months to get out of debt.
2 Check affiliations:
Work with debt management companies who are affiliated with AICCA and NFCC.
3 Analyze fee structure:
Find out if the fee structure is as per the FTC terms and conditions.
Have a clear idea about what is debt management?
Wish to get instant help?

Call us at (800)-530-OVLG
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