Hope For Financially Challenged Since 2007

84% Clients satisfied

In the last 7 years

Watch 377 live reviews

Know why people trust us

Satisfaction Guarantee

No Result Refund Policy

We follow FTC

Since we care for you

California debt settlement - Get best debt help now

Are you one of those people who stay in California and receive collection calls every day? Wondering how can you finally get out of debt and put an end to these calls? If yes, then it’s high time you enroll into a debt settlement program.

How debt settlement solves your problems

How much can you save?
Monthly payment you can afford
$
.00

California debt settlement - 8 Elements

California debt settlement works

How California debt settlement works

This program basically works in 8 simple steps and these are:

1

Debtor talks with the debt negotiator

Debtor gives a snapshot of his/her total financial situation to the debt negotiator. Both of them ask various types of questions to each other.

2

The debt negotiator thinks about a solution

After getting the total financial picture, the debt negotiator starts thinking about the possible solutions and suggest to settle debt in CA.

3

The debt negotiator explains the whole process

He explains how to settle unsecured debts in California. Both the pros and cons are properly explained.

4

The agreement is signed by the debtor

A written agreement is given to the debtor who reads it and finally puts down his/her signature.

5

The California debt settlement program begins

Debtor starts saving an amount in a dedicated account set up by the negotiator. It is simply not possible to negotiate without any amount in hand.

6

The negotiation process continues

The California debt settlement company starts calling creditors one by one. They use various tricks and tactics to convince creditors for a reduction in the outstanding balance.

7

A deal is made with creditors

Creditors agree to reduce outstanding balance. Debtor is notified about it and thereafter a settlement agreement is signed.

8

Payment is done and debt falls from the shoulder

Finally, creditor is paid the negotiated amount and the account is closed.


Is OVLG the very best amongst CA settlement companies?

It won’t be wrong to say that OVLG ranks first in the list of California debt settlement companies and that’s because:

  • 1 It is registered with the California State Bar Association
  • 2 It is also a member of California Chamber of Commerce
  • 3 It has received excellent reviews and 5 star rating in Trustlink
  • 4 It gives 100% refund to clients who are not happy
  • 5 It offers settlement services in California at affordable fees
  • 6 It uses all the laws to safeguard clients
  • 7 You can get free consultation from California attorneys
  • 8 You’ve to pay flat affordable fees.
Thu Mar, 2016 Review: SR saved $6885.47
Client satisfaction level:
      


California debt settlement - 4 Pros and cons

Pros

  • It saves you thousands of dollars
  • Collection calls are likely to cease
  • Debts are resolved very fast
  • You’ll have extra money for other needs
Cons

  • Creditors may agree only when you’re past due
  • Saved amount may get considered as income
  • You need to save in order to settle
  • Your credit score will fall

Credit card debt settlement

California debt settlement laws - A brief snapshot


Wait a minute. Before you decide to work with us or any other settlement company, make sure you check out the main provisions of California Debt Settlement Consumer Protection Act. Remember, it’s important to know what protections and rights you have.

  • Settlement companies will get paid on the basis of consumers’ savings.
  • They can charge only 15% of the total saved amount
  • They should provide extensive disclosures to consumers
  • They should give a written agreement plan to consumers
  • They should send reports to consumers at least every 6 months

California debt relief companies - What they can’t do


California Debt Settlement Consumer Protection Act prevents debt relief companies from indulging into the following kinds of activities:

  • 1 They can’t charge any penalty if consumers opt out of the program
  • 2 They can buy debts and engage into collection practices
  • 3 They can’t give any wrong information on California debt help program
  • 4 They can’t get into deceptive practices
  • 5 They can’t advise consumers to ignore wage garnishment activities
  • 6 They can’t change the correct mailing address in creditors’ statements

Need help with debt relief? Find out now

What if a CA debt relief company violates the law?


  • 1 Consumers can file a civil suit against the company
  • 2 The agreement will be terminated if an unauthorized fee is charged
  • 3 The company will have to refund fees within 5 days of receiving violation notice
  • 4 Consumers can get up to $5000 for each violation of law

* In case of criminal violations, consumers can get up to $10,000 for each violation of law.

6 Collection laws to know before settling debts


Want to save yourself from collection harassment? Eager to know about your powers to fight with collectors at the time of settling debts? Have a look at the 6 California fair debt collection laws that empower you as a consumer.

  • 1 Debt collectors can’t contact you when you’ve an attorney
  • 2 They can’t publicly embarrass you for debts
  • 3 They can’t collect judgment if a lawsuit was not properly served
  • 4 They can’t issue false statements just to collect debts
  • 5 They can’t misrepresent themselves or call you repeatedly
  • 6 They can’t talk with you in a obscene language

California Fair Debt Collection Practices Act

California Consumer help desk




So, ready to go for credit card debt settlement online?
Just call us at 800-530-OVLG and get the best advice in town

Latest Articles

    Do you have to pay tax on the amount saved from debt settlement?

    Don’t be too happy if debt collectors have left your life last year. Your money woes haven't ended yet. You may receive a 1099C form months after settling your credit card debts. The IRS sends this form to those consumers who have paid less than what they owed to creditors. If your ... Read More »

    Latest answers

    Why did I receive the Premium Tax Credit letter from the IRS ...

    I am from Mississippi. I have received a Premium Tax Credit letter. Can you tell me why I have received this letter? What steps should I take now ... Read More »

    Latest from blog

    Last-minute financial moves you must make in this tax season

    File a new W-4 form for a better return on investment. Book your air tickets to keep your expenses down on your summer travel plans. Check how your budget performed in the first quarter of 2016. Change it if necessary. Use your extra money to reduce your credit card debts and ... Read More »

    Trust Symbol

    Check out Oak View Law Group on Yelp

    The services of Oak View Law Group (OVLG) and its affiliates may not be available in all states. OVLG along with its Of Counsel attorneys may also be referred to as "Oak View Law Group", "we", "us" or "the firms".
    Copyright © 2015 Oak View Law Group

    Contact us at:-
    Oak View Law Group APC
    4966 El Camino Real STE 225, Los Altos, CA 94022, United States

    Stay Connected


    Disclaimer: The contents of this web site are not intended to establish an attorney-client relationship, provide the reader with legal advice, or substitute for legal advice from an attorney.
    • The debt settlement program typically lasts between 6 months to 4 years time.
    • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
    • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
    • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
    • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
    • Savings a customer realizes from use of a debt-relief service may be taxable income.
    Report scams to OVLG
    Chat Live!