I signed up with Oak View Law Group for debt consolidation. I have about $33,000 in credit card debt. I am getting really nervous. I have not paid my creditors for almost four months as I am paying Oak View instead. This feels very strange of course. I have no complaints as yet, but it is hard to be getting phone calls and now letters from creditors that demand payment and threaten legal action. (I have not answered these as i am under the impression I don’t need to.)I look forward to getting this settled and being able to move forward with paying off a hopefully settled amount of debt. I am now afraid I should have called my creditors myself and tried to settle. I have a good job, but my son and daughter in law are facing a medical crisis with my Granddaughter and I am trying to help them. Thus the need for debt consolidation. I want to believe this process will work and i know it takes time, but i am getting pretty scared.
What should I do next? Do creditors usually work with groups like Oak View or will they just go after me? How will i know it is working?
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