OVLG debt solutions give you relief from financial problems. Find out which solution is best for you and how it affects your credit score.
380+ Client Reviews

With OVLG, client PB1 saved $26295.85

demo-client
150 Success Stories and still counting...
Saved $8505.65 from Citi Bank
Saved $5266.07 from Citi Bank
Saved $5260.88 from TD Bank
150+ success stories
satisfied client
84% clients are satisfied
  • With our ability to deliver faster results
  • With our team's prompt contact response
  • With our No Result Refund Policy

Get a free quote

demo-client
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
demo-client
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 Solutions - Pick the best one to keep debts under control

Debt solutions make your life easier by solving complex financial problems within a few months. The best solutions are the ones, which help you reduce collection calls, pacify creditors, save your money and time.



Debt solutions – For whom and why

Debt Settlement (DSP) – A solution wherein you pay less on principal and save more.
Those who
  • Are in credit card debt
  • Are getting collection calls
  • Have payday loans and medical debts
  • Have private student loans
  • Are planning to file bankruptcy
  • Want to get rid of bills fast
  • Want to save on principal
  • Don't want to pay late fees
Why
  • Debt settlement pays off unsecured debts
  • DSP reduces collection calls
  • Companies negotiate to reduce principal
  • Usually, DSP takes 2-3 years to complete
  • DSP can help to settle debts within 2-3 months if you’re lucky
  • DSP eliminates late fees and penalties

Effect on credit - Initially, it hurts your credit. But, later you can rebuild it. All you need to do is use the right strategies.

Verdict - Best debt solution for those who want a 'quick release' from their financial obligations

Debt Consolidation – A solution wherein multiple payments are replaced by a single bill.
Those who
  • Have credit card debt and student loans
  • Want to have one payment every month
  • Can't manage multiple bills
  • Have private student loans
  • Need to pay off utility and cell phone bills
  • Have pending apartment leases
  • Want to have fewer collection calls
Why
  • Debt consolidation caters to unsecured debts
  • It can help you to take care of federal student loans
  • It gives you one affordable monthly payment plan
  • Consolidators deal with your collection calls

Effect on credit - It won't make a negative impact on your credit score.

Verdict - Best debt solution for those who are not pro at multitasking

Debt Management (DMP) – A solution wherein you make a single payment each month and save on interest rate.
Those who
  • Can follow a budget
  • Have credit card debt and pdls
  • Have personal loans and medical bills
  • Want to save on interest rates
  • Are tired of dealing with collection calls
Why
  • Credit counseling agencies (offering debt management plans) will create a budget for you.
  • A DMP can solve all unsecured debt issues.
  • Credit counselors will negotiate and slash interest rates.
  • They'll take care of your collection calls.

Effect on credit - It doesn't hurt your credit.

Verdict - Best debt solution for those who can follow a budget

Bankruptcy – A legal debt solution where bankruptcy court negotiates with your creditors on your behalf.
Those who
  • Want to stop collection calls
  • Are well acquainted with bankruptcy laws
  • Can pay bankruptcy fees
  • Can qualify for means test
Why
  • Automatic stay is imposed on collection calls
  • Bankruptcy court discharges debts as per the laws
  • Need to pay attorney and court fees
  • Need to prove you can't pay back creditors

Effect on credit - Disastrous. It'll drop your credit score by more than 200 points.

Verdict - Best debt solution for those who are ready to risk their credit score

How to select a company that offers the best debt solution

You've to be extremely conscious when selecting a debt relief company. Remember, a company can offer lots of solutions. But, this doesn't necessarily prove that it's the best company.

A good debt solution company will typically give you:
  • Breakdown of fee structure and cost
  • An estimate of how much you can potentially save
  • An idea about how long you need to make payments
  • An idea about the possible results and risks

Steps to take before going for debt solutions

1
Look at the fees and costs:
Check out the FTC rules to know how much you should pay for fees and associated costs.
2
Check out your tax obligations:
Forgiven debt is taxable. Before choosing any debt solution service, make sure you talk with a tax professional.
3
Read the FTC guidelines:
Clear your misconceptions to know about the good debt solution services and avoid scams.

Still don't know which debt solution is best for you?
Call us at (800) 530-OVLG
to get FREE reviews on debt solutions

0
Votes
1
Answers
Anonymous (not verified)
Asked on Thu, 06/09/2016 - 04:50

0
Votes
1
Answers
Anonymous (not verified)
Asked on Fri, 04/15/2016 - 03:15
Category: debt help

0
Votes
1
Answers
Anonymous (not verified)
Asked on Wed, 04/13/2016 - 13:28

0
Votes
1
Answers
Anonymous (not verified)
Asked on Thu, 03/31/2016 - 20:28
Category: debt help

0
Votes
1
Answers
Anonymous (not verified)
Asked on Thu, 02/25/2016 - 10:04

0
Votes
1
Answers
Anonymous (not verified)
Asked on Wed, 02/10/2016 - 07:35

0
Votes
1
Answers
Anonymous (not verified)
Asked on Tue, 02/09/2016 - 10:23

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 01/25/2016 - 20:31

0
Votes
1
Answers
Anonymous (not verified)
Asked on Fri, 01/22/2016 - 21:14

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 01/11/2016 - 12:26

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 12/28/2015 - 17:57

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 12/14/2015 - 20:27

0
Votes
1
Answers
Anonymous (not verified)
Asked on Thu, 10/29/2015 - 13:18

0
Votes
1
Answers
Anonymous (not verified)
Asked on Wed, 10/28/2015 - 09:01

0
Votes
1
Answers
Anonymous (not verified)
Asked on Wed, 10/28/2015 - 08:55

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 10/26/2015 - 22:25

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 10/26/2015 - 08:09

0
Votes
1
Answers
Anonymous (not verified)
Asked on Tue, 10/20/2015 - 09:32

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 10/19/2015 - 12:38

0
Votes
1
Answers
Anonymous (not verified)
Asked on Sun, 10/18/2015 - 22:01

0
Votes
1
Answers
Anonymous (not verified)
Asked on Wed, 09/30/2015 - 16:43
Category: debt help

0
Votes
1
Answers
Anonymous (not verified)
Asked on Tue, 09/29/2015 - 09:42

0
Votes
1
Answers
Anonymous (not verified)
Asked on Mon, 09/28/2015 - 04:52
Category: bankruptcy help

0
Votes
1
Answers
Anonymous (not verified)
Asked on Tue, 09/15/2015 - 00:00
Category: wills & trusts

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


Latest Articles

Knock! Knock! The next President: Here’s why you must forgive student loans

If Hillary Clinton or Donald Trump wants to beat the other presidential candidates this November, then she/he has to offer something substantial to younger voters and their families. She/he has to win their hearts and capture their minds with an electrifying proposal to solve the burning ... Read More »

Latest answers

How to increase the credit limit on my Capital One credit ...

I want to increase the credit limit on my Capital One credit card. What to do ... Read More »

Latest from blog

4th of July 2016: How to celebrate freedom

The 4th of July is observed as a federal holiday in the United States. After all, it’s NATION’S BIRTHDAY! Independence Day celebration is a grand and colorful affair in the country with fireworks, foods, parades, and more. Wondering how to enjoy this wonderful day? Check this out. ... Read More »