Choose credit card debt settlement when you're struggling to pay multiple bills on your own. Find out how to settle credit cards and save tax.
Giving hope to hopeless since 2007

84% Clients satisfied
In the last 7 years

Watch 295 live reviews
Know why people trust us

Satisfaction Guarantee
No Result Refund Policy

We follow FTC
Since we care for you

Credit card debt settlement - Settle online and save now

“Credit card settlement makes you feel rich even when you don’t have full money to pay back your creditors”

Credit card debt settlement is the process wherein you shrink your debts through negotiation. It helps you pay almost half of what you owe on your credit cards. This process is also known as credit card debt negotiation.

How much can you save?
Monthly payment you can afford
($)

OVLG Credit card debt settlement process

OVLG helps you get debt relief in 6 small steps. Our attorneys give you the best credit card debt settlement advice in 48 states 24*7. All you need to do is navigate the process and trust us a little bit.

How OVLG eliminates credit card debt


Credit card debt settlement programs - When, how and why

When it makes sense

  • You’re at risk of getting sued
  • You seriously want to save money
  • You can’t even make minimum payments
  • Collection calls are excessive
  • You may get bankrupt soon
  • You may have to borrow money to reduce balance

How it reduces your debts

Negotiation with creditors

Convince you can’t pay full amount

Creditor agrees

Reduces debt, waives off penalties & fees

You settle and save

Tip:

Make sure your creditors don’t report “paid as settled” on your credit report. Rather, request them to update it as “paid in full” to save your credit score.


Why you must choose OVLG

  • 1 It offers the best credit card debt settlement program online
  • 2 It helps you save on late fees, penalties and balance
  • 3 It follows the credit card debt settlement laws
  • 4 It gives you 100% no result refund policy
  • 5 It gives you sample debt settlement letters for free
  • 6 It gives you the perfect credit card debt settlement advice
  • 7 It has 84% satisfied clients and 360+ live reviews
  • 8 It’s a CalBar registered law firm
Tue Jun, 2013 Review: JH saved $236.25
Client satisfaction level:
      
* Client names have been changed to protect privacy


What you gain and what you lose

Pros - What you gain
  • Your money and respect
  • You pay less overall
  • You get less collection calls
  • You can avoid getting sued
Cons - What you lose
  • You will credit score will drop by a few points
  • You’ve to pay tax (when savings is 600+)

Credit card settlement companies

Want to settle credit card debt through companies? Finally ready to get help from professional settlement companies? It’s time you differentiate between the credit card debt settlement facts and fiction.

Myths
  • Credit card debt settlement companies are scams
  • You can get rid of your credit cards today
  • You need to pay a fee in advance
  • It is the only option to get rid of debt
  • You’ll not be in debt once negotiation is over
  • You can’t settle credit card debt online
Truths
  • No. Rather, they help you settle credit cards fast.
  • Only a miracle can help you to do that
  • Credit card settlement companies are forbidden to do that
  • No there are other options as well
  • No. Secured debts can’t be settled
  • Wrong. OVLG helps you settle online

4 Legal secrets for settling credit cards for less

1 Settle before your accounts are given to collectors

The first black spot is created on your credit report when you default on credit cards. And, the second black spot is created when your credit cards are given to collectors. Your score may drop between 45 and 65 points once your accounts go to collectors.

2 Create a strong negotiation strategy

Compile all facts - your income and expenses. Then create a convincing story and present it in front of your creditors. You’ve to explain why you can’t pay the full amount by all means. Remember, creditors already know you pretty well. Make sure you don’t lie. If you don’t want to take any headache, then leave everything to OVLG. We’ll take care of everything.

3 Be patient and wait for the right time

Creditors may not accept the initial offer. This doesn’t mean it’s the final decision of creditors. They may accept a modified version of your offer. So, be patient and let us re-negotiate with creditors. Also, don't be ashamed of yourself. It’s not a crime to settle credit cards.

4 Get a written agreement in your hand

Irrespective of how you settle credit card debt, never ever pay a penny without getting a written agreement beforehand. OVLG always gives a written settlement agreement online. You can check the clauses before paying a penny.


1 Save: Save money till your creditors are ready to settle credit cards
2 Negotiate: Negotiate either on your own or through OVLG
3 Pay: Make a lump sum payments as agreed during negotiation

What if you can’t at all settle credit cards?

Creditors are not your slaves. So, what if they don’t agree to settle your credit cards? What should you do?

Well, the only choice you’ve is to view the alternatives and these are:

Credit card debt consolidation wherein you get an alternative payment plan.
Credit card debt management wherein we’ll prompt creditors to slash interest rates.

How to choose the better option

Credit card debt settlement - Safety kit

  • Credit card debt settlement letter
  • Credit card settlement agreement
  • Credit card debt collection laws

What’s more


So, ready to go for credit card debt settlement online?
Just call us at 800-530-OVLG and get best advice in town
0
votes
1
answers
Anonymous (not verified)
Asked on Mon, 08/31/2015 - 04:37

0
votes
1
answers
Anonymous (not verified)
Asked on Wed, 08/12/2015 - 02:50

0
votes
1
answers
Anonymous (not verified)
Asked on Wed, 07/29/2015 - 22:54

0
votes
1
answers
Anonymous (not verified)
Asked on Sun, 06/28/2015 - 23:42

0
votes
1
answers
Category: bankruptcy help
Anonymous (not verified)
Asked on Fri, 06/12/2015 - 04:53

0
votes
1
answers
Category: debt scams
Kristi_1429500929
Asked on Tue, 04/28/2015 - 20:36

0
votes
1
answers
Anonymous (not verified)
Asked on Tue, 04/21/2015 - 05:13

0
votes
1
answers
Anonymous (not verified)
Asked on Tue, 03/31/2015 - 16:36

0
votes
1
answers
Category: debt help
Anonymous (not verified)
Asked on Sun, 03/29/2015 - 23:40

0
votes
1
answers
Category: debt help
Anonymous (not verified)
Asked on Thu, 02/26/2015 - 22:41

0
votes
1
answers
Anonymous (not verified)
Asked on Thu, 02/12/2015 - 09:42

0
votes
1
answers
Category: debt help
Anonymous (not verified)
Asked on Thu, 01/15/2015 - 10:16

0
votes
1
answers
Anonymous (not verified)
Asked on Wed, 01/14/2015 - 08:29

0
votes
1
answers
Anonymous (not verified)
Asked on Wed, 01/14/2015 - 08:11

0
votes
1
answers
Category: debt help
Anonymous (not verified)
Asked on Wed, 01/14/2015 - 04:57

0
votes
1
answers
Anonymous (not verified)
Asked on Wed, 01/14/2015 - 03:32

0
votes
1
answers
Anonymous (not verified)
Asked on Wed, 12/17/2014 - 12:15

0
votes
1
answers
Anonymous (not verified)
Asked on Fri, 12/05/2014 - 10:20

0
votes
1
answers
Anonymous (not verified)
Asked on Fri, 11/07/2014 - 21:40

0
votes
1
answers
Category: bankruptcy help
Anonymous (not verified)
Asked on Fri, 10/31/2014 - 00:03

0
votes
1
answers
Anonymous (not verified)
Asked on Thu, 10/09/2014 - 12:44

0
votes
1
answers
Anonymous (not verified)
Asked on Mon, 09/29/2014 - 23:17

0
votes
1
answers
Anonymous (not verified)
Asked on Mon, 09/29/2014 - 23:03

0
votes
1
answers
Anonymous (not verified)
Asked on Mon, 09/15/2014 - 02:48

1
votes
1
answers
Anonymous (not verified)
Asked on Thu, 08/14/2014 - 10:31

Pages

Step-by-step instructions to pick the best debt settlement company

Step-by-step instructions to pick the best debt settlement company

Date: 12:00 am 23rd Jun, 2015 Article Rating: 
Rating: 
No votes yet

Ever seen that ad which promises to save you from a financial storm through debt settlement program? Well, these ads may fill your heart with a hope for a debt free life but it would be a mistake to believe them without doing any homework. Remember, nothing is as simple as it seems to be. If you’ [...]... Read more


Debt Settlement Laws: Are your defense fool-proof?

Debt Settlement Laws: Are your defense fool-proof?

Date: 02:27 am 22nd Jun, 2015 Article Rating: 
Rating: 
No votes yet

You could be wrong with regards to your debt relief provider’s probity and eagerness to bail you out of your financial crisis. This is because all the hard work put in by the consumer advocates to reign in the unscrupulous debt settlement companies and render their business inert has gone in vain [...]... Read more


Debt settlement scams: Oak View Law Group reveals some facts

Debt settlement scams: Oak View Law Group reveals some facts

Date: 03:54 am 26th May, 2014 Article Rating: 
Rating: 
4
Average: 4 (1 vote)

Nowadays, many consumers fall prey to debt trap and reach out to debt settlement companies only to find out later that they have been scammed. Today, we come across a lot of debt settlement scams and most of the scams are a result of lack of information on the debtor’s end. If you want to avoid [...]... Read more


Frequently Asked Questions on Debt Settlement

Frequently Asked Questions on Debt Settlement

Date: 11:24 pm 9th May, 2014 Article Rating: 
Rating: 
No votes yet

1. How will debt settlement affect my credit score? When you first enroll in a debt settlement company, your credit score will go down. However, as your creditors report your accounts as “paid” or “settled” your credit score will recover. It is true that debt settlement is a great way to [...]... Read more


Comparison between Debt Settlement program and Bankruptcy

Comparison between Debt Settlement program and Bankruptcy

Date: 11:38 am 16th Jun, 2013 Article Rating: 
Rating: 
5
Average: 4.3 (3 votes)

Choosing between debt settlement and bankruptcy in the face of mounting debts is a tough decision to make. It is important to understand that although both the options aim at offering debt relief, they work very differently. So, in order to make an informed decision, you need to understand these [...]... Read more




Latest Articles

Online reputation management: Your tactical guide to flawless repute

Reputation management (often referred to as rep management, online reputation management or ORM) is the practice of attempting to influence or control of an individual's or business' public perception. Though, fundamentally, a public relations term, the advent of the Internet and social ...

View more »
Latest answers

What should you do when Experian fails to show you dispute ...

I disputed one of my accounts with the Experian online. They sent me an email after a few days and informed that their investigation is complete. They requested me to click on a link to view the result. I clicked on that link immediately and got this message - “Unable to show you the ...

View more »
Latest from blog

Financial to-do list - September 2015

Save money for NFL tickets for yourself and relatives. You can check here for tickets: Stubhub.com , ticketcity.com, etc. Get coupons and promo codes for NFL tickets from retailmenot.com/coupons/nfltickets. Have a look at your favorite NFL team’s fan forum. You may get some ...

View more »


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

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 bug/Send feedback
Chat Live!