Choosing the best debt solution for you after detailed financial analysis. Switches you to next best alternative anytime if your present plan doesn't work.

1. Waterfall approach to debt free ™
Unique debt free solution
to suit your financial situation

2. What makes this approach different from
other debt relief programs?
Chooses the best debt solution for you after detailed
financial analysis
Switches you to the next best alternative anytime,
if your present plan doesn't work.
Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management

3. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
See how this approach works
in a specific scenario
I have
4 credit card debts
1 medical bill

4. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Definitely. If you are facing any of the following
Problems:
Difficulty in multiple bills management
Debt increasing day-by-day
Getting too many creditor calls
Missing regular payments

5. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Yeah, my debts are increasing day-by-day.
What can I do?

6. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Start Budgeting with any free online application
(if required)
Try to pay off your multiple bills on time.

7. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
I tried budgeting. But mutiple bills are still difficult
to manage!
What to do now?

8. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Well then,
Sit with a counselor to
i) Analyse your income and expenses
iii) Calculate your total debt
ii) Prepare customised budget and
Choose a Debt Management Plan and start
making regular payments.

9. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
What if I can't make the payment after 3 months?

10. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
You can switch to a Debt Settlement Plan.
Save a lump sum amount gradually and pay off your
creditors with that.

11. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
The settlement payments seem too much and I
risk losing property.
What can I do now?

12. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Is your income below the state median?
Are your creditors not allowing loan modification?
Well then, chapter 13 bankruptcy might be able
to help you.

13. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
I have lost my job!
How can I get rid of the debts now?

14. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Are you dependent only on social security or disability
benefits?
File for your Chapter 7 Bankruptcy.
That will be the ultimate debt relief option for you

15. Bill
Payments
Chapter 7
Bankruptcy
Chapter 13
Bankruptcy
Debt
Settlement
Debt
Management
Waterfall approach to debt free ™
The best relief option
for a debtor is only that,
Which suits his or her
financial condition.

16. Conceptualized by Oak View Law Group (OVLG)
Website: www.ovlg.com
Disclaimer: This is only a hypothetical representation. This doesn't render legal advice or prompt you take
any decision. Financial conditions are subject to change and can only be determined after thorough analysis.
8421 Auburn Blvd. #145, Suite B
Citrus Heights, CA 95610-0394
Call 800 530 6854 (OVLG)
Waterfall approach to debt free ™