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Integrating Behavioral Economics and Consulting

Over the past few years, I have been involved with a number of projects that utilize behavioral economics principles to improve outcomes or change people’s behavior. Since this blog has a long history covering management consulting, I thought I would share some thoughts on integrating behavioral economics into the practice of consulting.

Chapter 7 bankruptcy discharge: What liens can it quash and how

Bankruptcy can discharge you of your obligation to payback a secured loan. However, if a creditor puts a lien on your property, then it’ll survive your Chapter 7 bankruptcy discharge, provided you’ve not returned the concerned property to the concerned creditor. What do you mean by a lien? Lien is created by a creditor or [...]

How to avoid overspending and debt with the right spending style

Your spending style determines if you’ll be in debt. Right spending style will help you save money and avoid credit crunch in 2014. It will help you achieve your financial dreams and aspirations. On the other hand, wrong spending style will just pave the path to bankruptcy. Read along to know about the 5 spending [...]

OVLG launches Credit Repair and Stay Violation Protection services

Oak View Law Group (OVLG) recently launched two new services aiming consumers, who are trying to regain their financial foothold. With more than 6 years of industry experience, OVLG is proud to announce the new Credit Repair service and Stay Violation Protection, as it continues to help people with their credit and debt problems. Starting [...]

Ensure your way out of crisis situations with emergency credit card

“Save up with an emergency fund” – You must have come across this advice several times. But, do you know that you can even keep a credit card safe for the emergencies? Not that it’s essential, but your emergency credit card may come in handy when you land up with unexpected financial crisis. An emergency [...]

Dealing With Surrender Of Property In Chapter 13

Dealing with bank creditors can be very difficult, even when you are under the protection of the Bankruptcy Court. At times the creditor/bank will not comply with the Chapter 13 bankruptcy order requiring surrender of the property. Know what can be done in such situations.

“Will I lose my home or the savings in my home during bankruptcy?”

One of the most common questions I am faced with, during my bankruptcy consultations is, "Will I lose my home or my savings in my home?" Fortunately, for most, the answer is "NO".

Credit score – Why does it go up and down throughout the year?

Credit score fluctuations are a normal phenomenon and there is nothing to worry about. Credit score can change from day to day and bureau to bureau. So, next time you see a change in your score, don’t get flustered and start panicking. Credit score can go up and down for various reasons. Several factors affect [...]

Introducing consumer survey on service and website

It has been a constant effort on the part of Oak View Law Group (OVLG) to deliver the best to its audience and clients. We constantly work towards positive changes.We seek your honest opinion. Oak View Law Group is proud to introduce its “Feedback” section! This is just a click away to the left of [...]

Shining light on the 341 Meeting of Creditors

The 341 Meeting of Creditors is an intricate part of the bankruptcy process. If you are planning to file bankruptcy, read along to know what happens at the so-called 'meeting of creditors'.

CFPB ensures that even creditors stay fair with debt collection

The United States Consumer Financial Protection Bureau (CFPB) finally puts tools in the hands of consumers to help them communicate with the debt collectors on legal terms. The CFPB announced on July 10 that it will now be accepting consumer complaints regarding illegal debt collection practices. The bureau will also publish action letters to guide [...]

Rise in Social security tax fails to subdue consumer spending spree

The rise in Social Security taxes for the U.S. citizens had been a cause of concern amongst the economists. It was assumed that the tax increase will force the consumers to cut down their shopping habit, which might consequently have its effect on the national economy. While the U.S. consumers have already been struggling to [...]