OVLG today announced its Affiliate Program for online marketers and IT consultants. Affiliates get the benefit of new and more innovative offerings that are not currently available from the larger networks.

OVLG (Oak View Law Group) is a registered debt law firm with California Bar Association. It comprises of experienced debt settlement, negotiation attorneys & lawyers, who work with creditors on credit card debt, payday loan settlement and bankruptcy solutions online. Our Attorneys help to choose the right debt relief option approach. A count of 40 attorneys wrote in support of FTC’s (Federal Trade Commission) amendments to telemarketing sales rules which includes a ban on the advance fees, as well its concern that it is a viable option for consumers to settle their debts during financial crisis. A prohibition of fees before or prior to settlement makes the settlement companies a guarantor of result and nothing else.

The settlement companies have made things easy for people so that they can make easy payment on a reduced amount and be debt free. OVLG wants all its customers to be debt free and prepares all arrangements for it.

By using affiliates, it is easy to get access to a new sales team and can benefit from their market and, importantly, conversion expertise. One of the main benefits of its affiliate program is that it enables to broaden the customer base. “It’s about getting in front of an audience who are in actual need of getting rid of their debts, through a profitable medium of income for the affiliate marketers also.” – says Alex Bond, OVLG’s process manager.

OVLG has successfully helped out many people from financial stress by settling their debts. At the same time, it has acknowledged the efforts of the affiliates by helping them earn an extra amount. OVLG believes in an association, which is beneficial to one and all. The affiliate process of OVLG is very simple and easy to understand.

The link or banner should in such a position that the visitors can have an easy access to it. It can either be promoted through text links or banners. When visitors click on the link or banner and fill up the adjacent form, a qualified visitor is sent to OVLG.An amount of $25 can be earned for each visitor who is contacted.

OVLG takes care of the following to build a healthy relation with its affiliates:
Caring for our customers—the services offered are according to the business standards and no compromise is made with the quality.

Earn $25 for each individual contact-high incentive is offered for each and every contract due to the excellent infrastructure.

Earnings are not held back-Incentives are offered as soon as a contact is offered and scrutinized not to be a dead contract.

The optimized process assures higher earnings-Consistent effort is made to improve relation with the affiliates.

Faith in transparency-reports are made open, and dead contacts are sent back to be scrutinized.

Opportunity is given to all affiliates but a non-performing affiliate is not long lasting. On the contrary encouragement is given to perform better and give the best results.

Pittsburgh, PA ( Prfriend ) November 27, 2008 -People who are in debt can be vulnerable when it comes to choosing a reputable debt relief company (http://www.advantageccs.org) to help them get out of their financial quagmire and back in the black.

There are many advertisements out there right now that promise consumers they can “settle their debts” for pennies on the dollar.  This can sound especially appealing to someone who is worried and struggling to make monthly payments on their credit cards.  However, there are some things about debt settlement that people should be aware of before they agree to work with such a company.

It is important for consumers to understand debt settlement.  Debt settlement is a negotiation process through which a creditor agrees to “settle” a consumer’s debt for less than owed.  This, in an of itself, can be a black mark on a consumer’s credit report because the credit report will reflect that the debt has been “settled for less than owed.”  It signals to creditors that the consumer did not repay the full amount owed.

A consumer may be asked to sign over power of attorney to the debt settlement company, which means the consumer will no longer receive any communication from his or her creditors including monthly statements.  The fees associated with debt settlement can be very high and are often based on the amount of debt the consumer owes.

Some of the major creditors, such as American Express, do not work with debt settlement companies.  Creditors that do work with debt settlement companies require a consumer’s account to be in a “charge off,” or severely delinquent, status before they will even consider accepting a settlement.  Allowing accounts in good standing to go into a charge off will have a very negative impact on a consumer’s credit score.  In addition, late fees and over the limit fees may continue to accrue while the consumer is saving up enough money to make a settlement offer, and the consumer could be subject to legal action to collect the delinquent debt.

Also, any debt that is forgiven through a settlement may be considered by the Internal Revenue Service as income.  That means a consumer is likely to get a 1099 form and have to pay taxes on the forgiven debt.

There are some cases where debt settlement can be beneficial to a consumer.  However, it is possible for a consumer to do their own debt settlement directly with their creditors without having to turn over power of attorney and pay large fees to a settlement company.

The best course of action for anyone who is in debt is to start with a credit counseling (http://www.advantageccs.org) session with a non-profit credit counseling agency that is affiliated with the National Foundation for Credit Counseling.  A credit counseling session is free.  A certified credit counselor will help the consumer get a complete look at their financial situation, offer suggestions to help the consumer find the best plan to reduce their debt and give the consumer financial education to help them going forward.

Consumers should research any debt relief agency before committing to a debt repayment program.  This research should include checks with the Better Business Bureau, the state Attorney General’s office and the Federal Trade Commission.  Consumers should also ask the company to disclose all fees up front and provide written contracts.

Advantage Credit Counseling Service (http://www.advantageccs.org), formerly known as Consumer Credit Counseling Service of Western Pennsylvania, has been helping people get rid of their “debt monkey” since 1968 by educating them on matters of personal finance management, budgeting and credit management.

The non-profit 501(c)3 agency is accredited by the Council on Accreditation (COA) and holds membership with the Better Business Bureau. Advantage has been designated as a certified comprehensive housing counseling agency by the U.S. Department of Housing and Urban Development (HUD). Advantage is also a member of the National Foundation for Credit Counseling, the umbrella association for over 100 credit counseling agencies nationwide that promotes the highest member standards for credit counseling.

Contact:
Kristen Garrett, Public Relations Coordinator
(412) 390-1300 x 107
[email protected]

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