Practical guidance on debt, bankruptcy, and the financial decisions that matter most. Written by OVLG attorneys.
Latest Post
Is $3000 a month good income to build a life? In 2026, the answer is yes but you have to stop playing by the old rules. Maybe you just landed your first job, or maybe you are restarting life after a divorce or a layoff. You look at your bank account, then you look at the cost of groceries in a week, and the math just doesn't seem to add up.
“The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7)Therefore, if you are in debt, your indebtedness compels you to become a slave to the lender, which is utterly conflicting to the Biblical principal of single master. According to Christianity, God is the prime master and you should always be under His servitude. If you fall in ...
Read more
Wage garnishment can feel like a financial emergency when it’s for credit card debt. When up to 25% of your paycheck is being taken before you even see it, it’s real anxiety and financial stress. This guide will walk you through practical steps to protect your income, understand your rights and regain control of your finances when wage garnishment for credit card debt happens to you.
Read more
Medical debt can still affect your credit score, but much less than it used to. Paid medical collections and unpaid bills under 500 dollars no longer appear on your credit report, and the CFPB rule that would have removed medical debt entirely was struck down in court. Here is what applies now and what you can do about medical debt on your report.
Read more
It can feel very scary when you owe money to different banks or credit card companies. It is common to feel like you are working hard but not getting anywhere. If you pay the minimum amount the bank asks for each month, your debt might stay high for a long time. The good news is, this is something you can fix. You need a plan built for humans, not spreadsheets.
Read more
If your auto loan balance is thousands more than your car is worth, bankruptcy gives you a few concrete ways to fix that. Which option works depends on whether you file Chapter 7 or Chapter 13. Both chapters trigger an automatic stay under 11 U.S.C. § 362 the moment your petition is filed.
Read more
Have you ever looked at your credit score, only to see it drop because of an account you knew absolutely nothing about? Finding a surprise debt collection without notice is incredibly stressful. You are likely asking yourself if a company can legally send an account out to an agency without warning you first.
Read more
A renovation eviction notice is scary. But, it often comes with a check attached to the money you need. If you just found an eviction notice taped to your door that says your landlord plans to remodel your home, you are probably panicked. You might be wondering where you will gohow you will pay for movers, and how you will handle your current bills while trying to save for a new deposit.
Read more
