Referred to Oak View Law Group
Date: Tue, 01/08/2008 - 19:17
please list your the state you live in, name of payday lender(s)
please list your the state you live in, name of payday lender(s), amount you borrowed, amount you owe and someone will be along to help you.
You can check Oak View Law Group's detailed listing on the BBB website at:
http://sanjose.bbb.org/BusinessReport.aspx?CompanyID=239402
Hi Trinity, I understand that you are curious to know about
Hi Trinity,
I understand that you are curious to know about our business. Feel free to contact the state attorney's general's office and know about our business. We are listed with the California bar council.
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Regards
BG
Edited by Goudah - Ads are not allowed per the TOS of the site. Please refrain from future ads.
This is something you may be able to handle without the support
This is something you may be able to handle without the support of a company. You may be able to save money and do this yourself. Please provide the info stargzr requested and we can better help you determine what the best course of action may be.
Thanks Goudah for taking prompt actions. You are doing a nice jo
Thanks Goudah for taking prompt actions. You are doing a nice job as a moderator. I am sorry I didn't say earlier that I have already spoken to Mike (site admin) regarding my post and I do have his permission to post here about our company.
Let me make my post once
Let me make my post once again and I hope it will stay this time. :)
Hi Trinity,
I am BG working in the customer care Dept of Oak View Law Group. I am glad to see that you have been referred to our company for the free counseling and get assistance on your debt related problems. I understand that you are curious to know about our legit business. Feel free to contact the state attorney's general's office and know about our legit business. You will not find a single complaint against us and we take pride on this, because for us, our client comes first. We are listed with the California bar council and the attorneys who will be working on your case have experience of over 30 years.
You don't have to be worried about your checking account and automatic debits. You will have all the terms mentioned in the contract copy, with your signature on it, and we will show your transactions in a very transparent way in your secure clients area. We will also keep you updated on the progress made with each creditor in the program. I will like to show you some of our success stories that we had with the creditors recently. First, its time to discuss about your options with your financial coach and work out a suitable plan. Then, I will be glad to talk to you when you call at our back end office.
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Regards
BG
Customer Care Representative
For Oak View Law Group
800-530-6854 ext 8053
So this new company is also going to deal with payday loan compa
So this new company is also going to deal with payday loan companies? Not just traditional debts?
Yes, we will help people who are having problems with their onli
Yes, we will help people who are having problems with their online payday loans. At this time, we are not ready to include storefront lenders in the program.
I have found that most of the online pdl companies do not have a legal business in the state they are lending from. They charge illegal fees and interests on the actual balance and then try to make the consumer pay all the fees. In most of the cases, they try to eat up the money of people by charging the renewal fees and posting nothing towards the principal balance. Suppose, if you have taken a loan of $300 and have already paid back $1800, the online lenders will say that the money went towards renewing the loan. The customer has signed the contract. It????????s actually a digital signature. Believe me, they will try to get every penny by putting a one time settlement. Laws are in favor of the consumer. Know your rights otherwise you will always end up paying huge amount just in fees only.
Regards
BG
Customer Care Representative
For Oak View Law Group
800-530-6854 ext 8053
Yeah, we know that. Most of us here have fought them ourselves
Yeah, we know that. Most of us here have fought them ourselves and help others do the same.
I have another question - Most of the companies out there that help people with payday loans just help them to settle or pay each month. Is your company really going to fight the illegal ones? And if so, what would the consumer gain by hiring your company? They can do this all themselves, it just takes some time and energy. Why should they pay your company to do something they can do themselves for free? Most people that get into payday loan messes have no money. I know that some people just prefer to have a company do it for them so they don't have to deal with it, but can you descibe a bit more about why someone should go with your company instead of just doing it themselves?
If you look around this site some more, you will see that we here have been doing the very thing you company is offering for free . . . . .
It's good that people are getting informed and know what's the b
It's good that people are getting informed and know what's the best legal way to deal with companies who twist the laws
Goudah, our company will not make a client pay a single penny extra if s/he has already paid the principal amount and the charges that are legal in a state (provided the company is doing a legit business). In my previous post, I discussed a case where one person kept on paying a huge amount towards the loan and the pdl company kept on posting that amount towards the renewal fees. That's one good way of earning money by the pdl company, and if it's not mentioned in the contract, it's the money earned ILLEGALLY. The attorneys in our law office will get the accounts closed and make the pdl company write a paid/settled in full letter to the client. For getting refunds, we will request the client to file complaints with the attorney????????s general office.
People working in our para-legal dept are certified and they have more knowledge on the legal aspects. What I am posting here is based on my experience and reality faced in the customer care cell. I am happy to see members on this board offering a helping hand guide people in the right direction. It????????s rarely seen now-a-days.
Regards
BG
Customer Care Representative
For Oak View Law Group
800-530-6854 ext 8053
How much does the service cost? What is it based on? For e
How much does the service cost? What is it based on?
For example, let's say someone contracts with Oak View, and they have 7 loans. All are from unlicensed companies, and they have paid all these loans several times over in fees. How much would you charge that person?
So are there actually any lawyers involved? You only mentioned para legals . . . . .
This still is stuff anyone can do on their own for free . . . . What is the benefit of paying your company to do it for you?
We are not forcing anyone to take our services. Looking at your
We are not forcing anyone to take our services. Looking at your posts, I know that you stand with confidence and aware of the laws. So, you don't have to consider for any professional help because you know how to fight back. Our services are for those who can't keep calling their pdl companies and need help; we will represent them in front of their creditors. I take hundreds of calls everyday and most of the people I talk to are scared and worried. They don????????t have any idea what to do next. Our services are for such people in the crowd.
If our attorney has to work for a client who has borrowed loans from illegal companies and has been paying huge fees, we will first ask the client if they still want to include that account in the program and get our services. Our attorneys will be working on his case and representing him in front of the creditors until that account is closed by the pdl company. There's a monthly fee because our attorneys will be putting their time on his case. We will not push the client to include that account if he is not interested for services on that account. And we have offered discounts to people in huge debts and going through financial hardship. Every person has an individual situation and after reviewing his/her file, our financial coach will do whatever they can. That's why I am not discussing about the fees on the message board. Speak to our financial coach and you will know what's the best thing he can offer.
It's not that we just want to earn money, but we have to cover the cost of running a business. If you are working or you have your own business, you will know what I am trying to convey.
Regards
BG
Customer Care Representative
For Oak View Law Group
800-530-6854 ext 8053
I'm not interested for myself, I dont' have any payday loans. I
I'm not interested for myself, I dont' have any payday loans. I'm trying to get more information for the readers of the board, people who may be interested in using the service. Other like companies have been discussed very openly.
Other like businesses will explain their fee structure . . . . Like Langhorn for example. They take a percentage of your amount of settled loans. You settle a loan for $400, Langhorn gets their percentage. T & C does a monthly fee based on the amount of debt.
I understand that it's different for each person, that's why I gave an example. With it being a monthly fee, I'd be worried because these payday loan places can really drag their feet.
Monthly fee is $50 for representing the client in front of the c
Monthly fee is $50 for representing the client in front of the creditor. This fee will continue until the program finishes.
For all kinds of unsecured debts included in the program with OVLG, the standard price is $100 for the first five creditors. And if someone has more than five, then s/he will get a discount of $50 on every creditor after the first 5.
The fees are clearly mentioned in the fine print and we expect that every client will read it very carefully before signing the document. We always recommend the clients to consult an attorney if they have confusions on any point mentioned in the contract. We have been transparent to our clients and that's why we have nothing to worry. Our business feedbacks are available with the attorney general????????s office and California bar council.
Goudah you make some very good points. It is very sad but many o
Goudah you make some very good points. It is very sad but many of the people here are already suffering with no money to pay their rent/mortage or by food or diapers for their babies. I like this site because it has many points of view and helps people by empowering them to take actions themselves. I feel that when someone fights the fight they may be less likely to take out payday loans again and they will feel much better about themselves. I thought the purpose of this website was people helping people. I would hate to see it turn into a business venture for various agencies. Just my humble opinion.
Oakview Law Group
The companies I got in trouble with are: Cash Transfer Centers
UpFrontMoney.com
Ace
AIP
I don't necessarly mind paying a reasonable fee to Oakview if they can help me deal with this. I work a job with very demanding hours so it is difficult for me to put all the hours in on the phone trying to negotiate some kind of reasonable agreement with these people. As far as I can tell everything Oak View has discussed with me seems on the up and up.
Now my next problem is to start dealing with my IRS problems. After that I may actually feel like I have my life back.
Star, I appreciate your humble opinion and you expressed what yo
Star, I appreciate your humble opinion and you expressed what you had in your mind. I don't think you have ever called at our office and requested for our services. You are reaching to a conclusion without actually speaking to us. What will you do if that store never existed from where you purchased diapers, food for your family? You have to pay them $$$ to buy their products. We are also trying to offer good quality services to people who need help from us. If you don't need it, no one is pushing you to take our help. It's simple and that's it!
Well, you said that you like this place because it has many point of views. This place is not going to change and if you have found something good here, it means that the people working behind this website mean to help the community in true sense. There's no harm in extending the help by offering an additional service through a law office. This website has got the reputation created by the community members, so we won't do anything that's going to hurt a person. Trust me, we don????????t want to hurt good people like you who have gone through hard times.
By the way I live in Texas. Thanks for all the input
By the way I live in Texas. Thanks for all the input
Guest, I wish you good luck in dealing with your IRS. Let me kno
Guest, I wish you good luck in dealing with your IRS. Let me know if I can be of any help. I will be glad to do something good for you.
BG I think you missed my point. Personally I have not called you
BG I think you missed my point. Personally I have not called you because I dealt with the PD companies myself. I do not need to buy food/diapers ect, but several people here have said they do not even have the money to buy the necessities or pay the rent. I was simply saying if they could not even pay for the necessities then how could they pay for an attorney. Thats all. I am sure you run a good/reputable business. I just wanted to point out that people can and have done this themselves. Guest, I am glad they were able to help you. Anything that helps to get rid of these scumbags is ok with me.
I do understand your point. We make a general conclusion after b
I do understand your point. We make a general conclusion after being bitten and seeing so many things happening with different companies. Especially when the pdl companies are trying hard to eat someone's hard earned money.
I take over 100 calls everyday and each person on the phone has a genuine problem. I have never tried to judge anyone and I promise, I will never do that. I try my best and see if I can arrange something that proves helpful to the person I am speaking with.
It was good talking to you star, before I go to bed. I have to hurry now, because I will have to reach office in time tomorrow morning. Talk to you again! :)
BG I am a multi section moderator here on the board and have hea
BG I am a multi section moderator here on the board and have heard much about your firm. I welcome any info you or your customers can put out. Please be advised that I do investigate lots of these types of firms for our board in my spare time and I welcome you here if you can really help our members with their concerns.
Hi Cajun, I welcome you doing the research on our law office in
Hi Cajun, I welcome you doing the research on our law office in your spare time. I will speak to my clients and request them to make a post telling about their experience with our law office.
Quote:Hi Cajun, I welcome you doing the research on our law offi
Quote:
Hi Cajun, I welcome you doing the research on our law office in your spare time. I will speak to my clients and request them to make a post telling about their experience with our law office. |
If your company is good it will prosper, if not it wont.
Hi Star and I am so sorry to jack this topic. I will make my own
Hi Star and I am so sorry to jack this topic. I will make my own request next time. :oops:
No not at all cajun. Jump right in. I am glad you are looking ou
No not at all cajun. Jump right in. I am glad you are looking out for others on this forum.
I'm sorry, but it's one thing when a happy customer posts their
I'm sorry, but it's one thing when a happy customer posts their experience on their own, but I don't have much faith in "requests" to post good things. You can't tell a customer "Go and post your good experience". They need to do it on their own to have the right impact.
I was told if I or my clients can post some of their experiences
I was told if I or my clients can post some of their experiences on this forum. I actually thought of showing them the link where our company is discussed on a particular date. They don't know actually that a discussion about a company which they are using is taking place on some online board on one particular date. Gwen posted on credit management only, nowhere else on the board. That????????s because I sent her that link only. I have also asked her to keep visiting the board regularly. If she has anything to complain about our company in the future, she will find this board very easily because she knows where she posted her experience with us.
Today, I feel great that my clients know about this board and they can freely make a post and discuss about their experience, good or bad. Another thing, I have never asked my clients to post good experiences only or praise my services given to them. Or, let????????s say if they are not happy with me sometime in the future, I cannot stop them from coming to this board and not post.
Thanks goudah for speaking out your mind.
Cajun, you are always welcome to do the research on us. You are really doing a great job here for the members and people are fond of you. Keep up the good work!
OVLG Good Experience so far
I am a new client of OVLG as of the first of Dec. I was
nervous at first and scared that I had been scamed.
I knew I needed to take the chance Due to the number of pdls that I had and also several credit cards aswell as a Cashcall loan that I knew would go into
default at some point.
At this point I could not be happier I have received
one PIF and it looks like more maybe on the way.
I feel that I finally have an actuall attorney in my
court this time in dealing with creditors.
So far all of my questions and concerns have been
answered by OVLG.Most if not all of the creditors have stopped calling at both my home and job.
Please everyone understand that I did not retain OVLG
to get out of paying my obligations but to have some
legal representation.Yes,I know I am paying someone
else money to get myself out of debt but I have peace
of mind.
I just started with OVLG this month and I do not have anything b
I just started with OVLG this month and I do not have anything bad to say about them. I understand the laws but I do not have the time to fight these people that want to call my job while I am working to make money to pay my bills.
Well I hope it works out for you wssu91. Best of Luck and keep u
Well I hope it works out for you wssu91. Best of Luck and keep us posted!
Thank you anyroberts. Like the other posting I am dealing with
Thank you anyroberts. Like the other posting I am dealing with Cash Call also and they will call two or more time a day. The small fee is worth it to me. I say if they can advertise for loans the companies that can help people get out of debt should have an equal chance.
I recently hired a debt consolidation company not because I was
I recently hired a debt consolidation company not because I was behind on any of my credit cards but because the minimum payments were becoming almost unmanageable. I wanted to be proactive but I believe what they are doing is just having me not pay my cc bills so that the dcc has more bargaining power. The cc companies would rather have something rather than nothing. However, I do fea what will happen to my credit score because of this tactic but I felt I had no choice.
If your current or near-current on your cards, credit counseling
If your current or near-current on your cards, credit counseling might be a better option for you. Neither is good for your credit score, but I understand (someone else jump in here if I'm wrong!) that counseling is not as bad. You might want to call the local chapter of CCCS for more information. They're a non-profit with a really good reputation in the field.
blatt hasenmiller
I have a question I just found out that blatt hasenmiller...has filed a citation to discover assets on me for a credit card debt..They attempted a wage garnishment already but I no longer worked for the company I did when I recieved they paper that they were doing that called them and told them I no longer worked for that company and gave them the name and address for the new one. My question is when they do the asset thing I know that my minivan will come into question but can they consider it an asset since I still have paying off the loan and owe more than it is worth?
Pay Day Loans
As an employee of a storefront payday loan business (an honest one), I can tell you that you are indeed able to work out payment arrangements with the business itself and save yourself the money and additional financial vulnerability of involving a third party.
First of all, each time you sign a contract with one, you have 72 hours to repay only what you have borrowed, and they cannot charge you a fee at all. This is called a rescission. They may threaten not to relend to you in the future if you take advantage of the rule, but this is unethical to say the least and I'd recommend steering clear of such a place in future anyway.
Secondly, like any business you have a bill with, if something comes up interfering with your ability to repay call them as soon as possible to let them know and try to work out an extension or plan with them. Staying in communication with them is in your best interest (even if the employee is rude and untrained, keep your cool, ask for a manager if needed). Not hearing from you will escalate any legal or civil action taken on your account.
Third, a good way to avoid getting stuck as you describe is paying at least one loan increment above your minimum finance fee whenever you can afford it (ask what increments they lend in). This will see your loan balance drop and your finance fee shrink over time and make it easier for you to see your way clear of the loan.
If your account is in collections with such a business (defaulted, checks deposited and returned, etc.), contact the manager to make arrangements to repay what you have borrowed. Expecting to do less is expecting free money. But fees (NSF and/or finance) are generally negotiable depending on the policies of the individual company. This is much cheaper than any court fees that could be levied against you on top of a balance you are already struggling with.
I know there are a lot of stores in this business that put fees first and the customer last. But not all are like that. I gain customers by word of mouth because of how they are treated and the level of trust we have with one another. I know I'm not the only one.