Five programs. One that actually fits your situation.
Compare what each program does to your balances, your credit, and your monthly payment — then talk it through with a specialist for free.
Compare at a glance
Typical characteristics. Your specialist confirms the details against your actual numbers.
| Program | Best for | Balance owed | Credit impact | Typical length |
|---|---|---|---|---|
| Debt settlement | Large balances you can no longer sustain | Reduced by negotiation | Significant at first | 24–48 months |
| Debt consolidation | Steady income, credit still reasonable | Paid in full at lower rate | Modest | 24–60 months |
| Credit card debt | Multiple card balances with climbing minimums | Settled or paid in full, depending on path | Varies by path | 24–48 months |
| Payday loan consolidation | Payday or cash-advance loans renewing or rolling over | Consolidated or negotiated down | Varies by path | 6–18 months |
| Medical debt relief | Hospital, specialist, surprise billing | Errors removed, remainder negotiated | Varies | 6–24 months |
Debt settlement
We negotiate directly with your creditors to reduce what you owe, then consolidate the reduced balances into one monthly deposit you can actually afford.
Settlement typically involves missed payments, collection activity, and a negative credit impact. Not all creditors negotiate and not all debts are eligible. Forgiven amounts may be taxable.
Debt consolidation
One loan pays off several balances, leaving a single payment — often at a lower rate than the cards it replaces. We help you compare offers from third-party lenders.
Oak View is not a lender. Consolidation loans are originated by third-party lenders and are subject to their approval, rates, and terms. A lower monthly payment over a longer term can mean more total interest paid.
Credit card debt
A focused program for revolving card balances — comparing settlement, a lower-rate consolidation loan, or a structured payment plan, based on how far behind the cards already are.
The right path for card debt depends heavily on your credit and how far behind you are — your specialist will walk through settlement and consolidation trade-offs specific to your cards before recommending either one.
Payday loan consolidation
We help break the payday-loan rollover cycle by negotiating payoffs or consolidating recurring balances into one manageable payment, so triple-digit APR loans stop renewing.
Payday lending laws and APR caps vary significantly by state, and some payday loans fall outside standard settlement negotiation — your specialist confirms which of your loans qualify before you enroll.
Medical debt relief
Medical bills follow different rules than credit cards. We review charges for errors, pursue financial-assistance eligibility, and negotiate whatever legitimately remains.
Medical debt under certain thresholds and ages may no longer appear on consumer credit reports. Financial-assistance eligibility is set by each provider, not by Oak View.
If it isn't ours to fix, we'll say so
Some debts and situations need a different kind of professional. We'll refer you rather than enroll you.
Student loans
Federal loans have income-driven repayment, forgiveness, and hardship programs that no private company can beat. Start with your servicer or studentaid.gov — never pay a fee for access to a free federal program.
Tax debt
IRS and state tax balances have their own installment agreements and offer-in-compromise process. You want an enrolled agent or CPA, not a debt settlement program.
Mortgages and auto loans
These are secured by your home or car and generally cannot be settled. If you're behind, a HUD-approved housing counselor is free and is the right first call.
Credit repair
We do not remove accurate information from credit reports, and no legitimate company can. Disputing genuine errors is free and you can do it yourself.