What happens after you contact us and get debt counseling

What happens when you opt for

Step 1: You will Get a Call from Atty. Solomon’s Assistant

Once you opt for our "FREE Consultation," the Assistant of Atty, Solomon, will call you. But before you decide to get counseling, check out these signs to know if you need debt assistance.

  1. Missing credit card payments every month.
  2. Getting debt collection calls every day
  3. Getting frustrated and depressed due to financial problems
  4. No budget plan to track your expenses
  5. Living beyond your means
  6. Losing sleep due to debts
  7. Making impulsive purchases
  8. Hiding your debts from your spouse
  9. Having a low credit score

If you already have the early signs of debt, gather these documents to get help with debt settlement quickly:

  • A copy of your recent pay stub. If you receive a bonus or overtime at an irregular interval, you may have to submit the last 6 months’ pay stubs.
  • Your credit card statements.
  • Your bank statements.
  • A list of all your debts

Step 2: Counseling for your debt problems

The Assistant of Mr. Solomon will ask you the following questions to help you in the best possible way:

  • How do you manage debts?
  • Have you missed payments in the last few months?
  • Do you get debt collection calls?
  • Do you have money to cover your living expenses?
  • Have you been turned down for a loan recently?
  • Do you use credit cards to cover your costs?

Once you give satisfactory answers, Mr. Solomon's, Assistant:

  • Evaluates your financial situation accurately
  • Calculates your income, expenses, and savings
  • Provides you with a free budget counseling session
  • Gives you free debt advice
  • Gives you tips to lead a frugal lifestyle while paying back your creditors as per your affordability
  • Helps you get an affordable monthly budget plan to resolve your debt issues
  • Helps you get out of debt without giving up any assets
  • Helps you to move ahead in your financial life
  • Suggests legal debt relief programs like debt settlement, debt management, debt consolidation, and bankruptcy.

Note: During the debt counseling session, you are not required to do what the Assistant suggests so that you can stop the counseling at any time.

Step 3: An understanding of the program offered to you

If you agree to get help with the suggested program, Mr. Solomon's Assistant tells you everything you need to know about the costs and steps of that program. OVLG usually has four programs to help you get out of debt.

  • Debt settlement: This program helps to reduce your total payoff amount.
  • Debt consolidation: This program helps to combine your multiple bills into a budget-friendly repayment plan.
  • Debt management: This program helps lower the interest rates on your unsecured debts.
  • Bankruptcy: This program helps you discharge debts in 3-4 months through asset liquidation.

Do you have to pay for Debt Counseling?

You won't have to pay anything for it. But if you get help with debt settlement from OVLG, we will charge you a nominal fee to help you pay your bills. Here's how our fees work.

What should you do when you're getting debt assistance?

  • Explain your financial problems honestly and sincerely
  • Tell Mr. Solomon's Assistant about your income, assets, debts, and savings.
  • Pay attention to the debt advice
  • Clear all your doubts and queries
  • Keep in touch with the Assistant until the payment plan is completed.

How long does it take to finish the debt counseling process?

It depends on your debt situation. It can last for 30 minutes, and if you have too many debts and collection accounts, it may last for 3 days. The consultant will give you 1-hour session every day till your doubts and misconceptions are cleared.

Step 4: An agreement with the OVLG firm

You'll receive an e-copy of the agreement between you and OVLG. A Client Relationship Analyst (CRA) of OVLG is in charge of your account and works with you on your monthly budget.

Things to check before you sign the contract:

You understand the terms and conditions of the agreement clearly

  • There are no hidden fees
  • The tenure of the program is specified clearly

Step 5: Allotment of a transparent & secured client area

For the sake of transparency, you're provided with a secured client account so that you can stay informed about:

  • The 'up-to-the-minute' performance reporting and latest developments in your case.
  • The current status of your important documents (Representation agreement, Limited POA, settlement letter, etc.)
  • A detailed analysis of your budget. (See demo)
  • Complete transaction details and payment information.
  • Total overview of your debts and creditors. You can view:
    • Creditors already settled
    • Creditors whose payments are being done
    • Creditors on negotiations
    • Your total debt
    • Balance in your trust account
  • How to create a support request and check its status

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