Getting started is simple

One of our expert consultants will research your financial circumstances and begin the process of setting up a strategy tailored to your debt needs. The consultant will also create lower interest rates while working with the creditors on your account if it is a possibility.
  • No collection phone calls ever
  • A one-time only monthly payment
  • Possibility of lower fees as well as lower rates
  • Credit accounts included will be terminated
  • No reduction in your principal debt
  • No reduction in your principal debt

You have the option of acquiring a loan in order to assist your payment of debt. This specific type of loan could potentially lower your interest rate versus the total of your debt. The loan will be paid off by you each month with fixed payments.

  • This loan will not affect your credit!
  • Flexible conditions
  • Only one payment monthly
  • Everyone’s results will vary
  • Having good credit is necessary
  • Principal debt is not reduced
You will make deposits into a special account monthly when you partner with Ooraa. We will utilize our experienced negotiators to discuss with the creditors on your account. We specialize in reducing the amount of debt you owe to the creditors and all payments will be made from your customized account until the debt is ultimately paid off.
  • Quicker than paying minimum payments monthly
  • Substantial savings instead of paying minimum payments monthly
  • One-time only deposit for the monthly program
  • Everyone has different results
  • You will receive numerous debt collection phone calls
  • Credit is negatively impacted as well as legal risk

You have the option to file either Chapter 7 or Chapter 13 bankruptcy. Bankruptcy is a legal procedure that allows you to pay off your debts after your assets are evaluated by a professional. Your assets will be used as payment toward your debt and distributed to your creditors. Once this process is finished, you are free of all debt responsibility you had prior to your bankruptcy filing.

  • Entire procedure takes as little as 3 to 6 months
  • Debt responsibility has potential to be fully cleared if you file a Chapter 7 bankruptcy
  • Creditors do not have the authority to try to collect on your debts owed
  • It is challenging to qualify for Chapter 7 bankruptcy
  • All your credit cards will no longer be active
  • Substantial as well as long-term credit damage
Many people are unsure if they should utilize the services of a business to help aid the debt resolution and reduction process. You have the option to research tools both online and offline to have an idea of what your payments will be. You will have the ability to keep the record of the procedure and progress of your case as well.
  • There is no negative impact on your credit score
  • There are no mandatory fees or costs
  • Your payments will be tailored to your financial situation
  • Principal debt is not reduced, costing you more money and time
  • A set budget is mandatory
  • Interest rates will not be reduced nor changed, thus stalling the debt resolution

Credit Counselling

Are you struggling to make ends meet every month because of your lingering debt and piling bills? If yes, the best option for you is credit counseling with our business. Many people believe credit counseling eliminates debt, but this is not the case. Our trained credit counselors will assist your specific needs and debt as well as setting up a customized payment plan just for you. Ooraa’s payment plan will include much lower interest rates than what your creditors have previously offered as well as our competitors. Creditors main goal is to get as much money from you as possible, and that is where we will step in and take charge. You have the option of setting up a DMP, or Debt Management Plan, through the credit counseling we offer. A DMP is a great option because it assists you in paying off your debt by structured payments that you will make each month.

DMP is different than debt resolution by means of settling your debt with monthly payments without the minimum price of your payments increasing. This concept will keep you safe from any action a creditor can take towards making your account delinquent, which will put you in danger. If you keep at least one of your private credit card accounts current, you can enroll in this program. That’s it! If paying just your minimum payments end up being too problematic for you or you are having a difficult time making even a portion of the payments, Ooraa can discuss further options that better meet your needs.

Debt-Consolidation

Our promise to you is to bring you debt consolidation and relief at a fraction of the cost and faster than any other debt resolution business. You have the potential to save thousands by utilizing Oora’s services! You can even transfer your high interest debt to an investor that bids a lower interest rate. Lowering your interest rates will greatly help you budget monthly and help rebuild your financial situation. Many people experiencing the pain of repaying their debt and understand how overwhelming it can be. Our expert professionals will assist you with debt consolidation loans or even a personal loan that will help pay off your debt altogether. When you use a loan to pay off the debt to your creditors, you will only have ONE monthly payment to the investor instead of multiple payments!

We are not here to pull any tricks or gimmicks. Therefore, we feel it important to inform you that some lenders that offer you loans do require collateral. This means that you make your loan secure by offering something of value (an asset) that you already own. This can range from your home to your car. If you are unable to make the payments to your lender for your loan, it is possible you will sacrifice the asset you choose to use as collateral. If collateral is not an option for you, that is no big deal! The interest rate on your loan will be a bit higher than if you did have collateral, that’s all. It is important to note that utilizing a loan is in turn creating more debt whilst assisting in paying off your older debt and creditors. Debt consolidation is a wonderful option if you have the capability of meeting the requirements of obtaining a loan. The interest rate is much lower this way than the rates you are already currently paying toward your debt. While debt consolidation is not suitable for everyone, having multiple options is such an incredible feeling of relief. Cookie-cutter programs are not the way we operate, nor should you settle for your debt being treated like any other case. If your debt does not exceed $10,000, our trained professionals will continue working with you to find a program that is just right for you!

Cash-Out-Refinance

If you own a home and have consistent income, cash-out refinancing may be perfect for you. This strategy assists homeowners to merge their monthly bills AND their house debt into one payment monthly! This is how it works:

    • Our trained professionals will merge your mortgage balance (if refinancing) with the amount of debt you currently owe
    • You have the choice to use the extra cash to pay off your creditors
    • Secured loans, such as a mortgage, have low interest rates, so this is perfect if you possess credit cards at high-interest rates
    • You have the option to wipe out your original loan and refinance at a lower interest rate

Since we pride ourselves in our honesty with our clients, we would like to advise you how imperative it is to continue making your monthly payments on the loan on time. If you do not keep up with the payments, you run the risk of possibly losing your assets that you put up as collateral. There are also additional charges, such as closing charges and additional fees, that can add to your debt owed. Discussing this option with our trained professionals here at Oora will help you make the right decision of cash-out refinancing is the right option for you.

Debt-Settlement

Debt settlement is the main goal for anyone that owes money to their creditors. We are delighted to provide the steps necessary in order to reach your debt resolution goals. Debt settlement has been created for people who are incapable of making their required payments and are contemplating entering bankruptcy. People tend to avoid considering filing bankruptcy due to the severe implications it can cause to a credit score. Debt settlement provides a program that is comprised of low monthly payments that allow those in debt to reach settlement and freedom. We are proud to negotiate on your behalf with the creditors you owe with the goal of settling for a lower balance than what you previously owe. A special purpose account will be created in your name if you choose to enroll in a debt settlement program with us. You will be in complete control of your account as long as you continue making the monthly deposits into your account. The idea is to increase the balance of your specialized account so we can ultimately negotiate with the creditors to lower the balance of your debt.

We stand above our competitors with our greater than $6 billion in debt settlement, higher than any other debt resolution agency in the entire country! If you continue to be overwhelmed with your debt, please contact our expert consultants and we can get you on the road to debt recovery and freedom, today!

Can you settle medical debt?

Bankruptcy

Here at Oora, we provide you with many customized options to fit your specific debt resolution needs. Bankruptcy is typically the least popular choice, but ultimately necessary in some cases. Bankruptcy has the potential to harshly impact your credit, which can cause additional distress on top of your already looming debt. However, if you believe you have too much debt to realistically ever pay off, this may be the perfect option for you. There are two types of bankruptcy, Chapter 7 and Chapter 13.

Chapter 7 – This form of bankruptcy is the most conventional. Chapter 7 rids you of all legal and financial responsibility for your debts. You will never longer have to pay toward anything you previously owe. Consider it a breath of fresh air and a financial rebirth. However, your credit can be negatively impacted for years. It is also a risk that many of your assets may be being taken and sold in order to pay off your debt. Unfortunately, if you have any school loans or tax responsibilities, you are still obligated to pay those on your own accord, even after filing a Chapter 7 bankruptcy. It is important to be aware that also that nowadays it is more difficult for people to meet the requirements of filing Chapter 7 bankruptcy due to The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 that has been enacted. This Act now requires more rigid testing of its applicants.

Chapter 13 –Due to the additional testing required to qualify for Chapter 7, people are now being pushed into filing Chapter 13 bankruptcy instead. Filing Chapter 13 entails a person will continue to be obligated to repay a portion of their debt. In certain circumstances, your debt may, in fact, be largely reduced after a payment plan has been considered and relayed to the Bankruptcy Court. All payments will be paid through this court and then distributed to your creditors to pay off the debt. This entire process will be in the hands of a trustee that the court oversees appointing. As invasive as this process can be, you will have the potential of keeping your home if the payment plan is approved.

Unfortunately, this type of bankruptcy will also impact your credit, similarly to Chapter 7 bankruptcy. It is imperative to discuss your bankruptcy filing options with a licensed attorney in your state before making any decisions. Please also contact Oora to examine your options for an alternative to bankruptcy that will be provided by our expert consultants. We pride ourselves in providing you more options to reduce and resolve your debt than just the severe option of bankruptcy and its consequences.

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Do-It-Yourself

In a world gone online, the option of “doing-it-yourself” may be the perfect option for you, provided the right tools. If you have the capability of paying more than your scheduled minimum payment every month, utilizing the do-it-yourself approach can be a great option to consider. However, if you are only making minimum payments each month, you run the risk of paying ridiculously high interest. This high interest is exactly what credit card companies are aiming for. The higher your interest rate, the higher their payout. You will end up paying large amounts of money toward your interest and stalling the process of paying off your debt directly by many thousands of dollars and many years.

You can do your own research online utilizing free resources and tools in order to decide how much you owe and what your potential payment plans could be. However, if you are having a hard time keeping up with your minimum monthly payments, this may not be the best option for you. In that case, feel free to contact Oora and one of our many trained professionals will discuss the customizable options for you to achieve debt resolution!

Our Process

Are you struggling to make ends meet every month because of your lingering debt and piling bills? If yes, the best option for you is credit counseling with our business. Many people believe credit counseling eliminates debt, but this is not the case. Our trained credit counselors will assist your specific needs and debt as well as setting up a customized payment plan just for you. Ooraa’s payment plan will include much lower interest rates than what your creditors have previously offered as well as our competitors. Creditors main goal is to get as much money from you as possible, and that is where we will step in and take charge. You have the option of setting up a DMP, or Debt Management Plan, through the credit counseling we offer. A DMP is a great option because it assists you in paying off your debt by structured payments that you will make each month.

DMP is different than debt resolution by means of settling your debt with monthly payments without the minimum price of your payments increasing. This concept will keep you safe from any action a creditor can take towards making your account delinquent, which will put you in danger. If you keep at least one of your private credit card accounts current, you can enroll in this program. That’s it! If paying just your minimum payments end up being too problematic for you or you are having a difficult time making even a portion of the payments, Ooraa can discuss further options that better meet your needs.

Which is the best strategy for you? Find out now.

Clients who provide their contact information and use our service, agree that ooraa.org, any of its affiliates and any company they are matched with may contact them by any method of communication, including telephone even if they are on a federal or state Do not call registry list. Our site is free matching service intended to provide clients with variety of options and information, and is not responsible for any service/information provided by any third party provider. Debt settlement/reduction, assumes successful completion of a program designed to help you save funds to eventually satisfy unsecured debts, normally through negotiation and payment. Debt settlement programs involve risk and hence we do not guarantee that any creditor will settle or that you will become debt-free within a specific period of given time. Programs are not available in all states and Program fees and results may vary according to different states, and programs are not available in all states. We do not provide tax, accounting ,bankruptcy or legal advice. To discuss all the tax consequences of settlement, please contact a tax professional. For Credit repair services please visit https://www.zinucreditrepair.com/. Use of this site is subject to our Terms of Service and Privacy Policy established by us. Read and understand program terms for important disclosures.