I Am So Frustrated With Oak View Law Group. – Mara

“Dear Steve,

I signed up with Oak View Law Group (OVLG) in November as I had 7 short loans in the amount over $3,000.

I live in New York State. I was trying to help my daughter when she lost her job last summer so I borrowed all this money. Unfortunately I was not able to pay the loans.

When I signed up with OVLG I was under impression that they will negotiate and lower the principals but instead my debt grew almost double.

All this months from November to now loan companies were still charging extra fees every 2 weeks.

I am so frustrated that the settlement with OVLG is making my situation even worse. Then I search for law and get across to one website where I learned that in New York Online Payday Loans are not permitted.

So I told my case manager at OVLG how can you not know that? I feel that they work alone with these short loan companies.

I told him that I still want to pay them only principal to have clear conscience. So far nothing happen.

I know that OVLG is charging a lot of fees while they work on settlements. So far I only paid 1 loan and still have other 6 which are doubled from November. I need you legal advice.

Please help me!



get out of debt

Dear Mara,

It is certainly understandable that you should be frustrated. Based on what you shared, it does appear that some advice and an approach to dealing with your payday loans in New York State would be a logical first step.

And I agree that debt relief companies need to do a thorough job of screening incoming debt for that debt that might be uncollectible or out of the statute of limitations before developing a repayment plan or enrolling it.

According to the New York State Department of Financial Services, “Payday loans are illegal in New York State. It is a violation of New York State law to make payday loans in-person, by telephone, or over the Internet. It is also illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State.” – Source

To File a Complaint With New York State on the Payday Loans

Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York or to New York residents, or if a debt collector is seeking to collect on a payday loan in New York.

The State should intervene for free in this matter if you were made a payday loan in New York State or a collector is attempting to collect.

See also  I'm Working With Oak View Law Group But Getting Scared. - Debb

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

2 thoughts on “I Am So Frustrated With Oak View Law Group. – Mara”

  1. Dear Mara,

    Payday loan lending is illegal in New York, so you should not entertain any collection attempts for the payday loans you have. Since you wanted to pay them principal amount, we negotiated and settled an account for less than what you had borrowed.

    You mentioned, “When I signed up with OVLG I was under impression that they will negotiate and lower the principals but instead my debt grew almost double”. We have no control over what the creditor had mentioned in their statement, but we can negotiate on the principal. Here are details of the settlements we worked out for you.

    1st settlement:

    Principal Balance: $1250 (as per the statement you provided us)
    Outstanding Balance: $1520
    Settlement Amount: $760
    Saved Amount: $490 (Calculated on Principal)

    2nd settlement:

    Principal Balance: $912 (as mentioned by you at the time of enrollment)
    Outstanding balance: $1750.57
    Settlement amount: $750
    Saved Amount: $162 (Calculated on Principal)

    You mentioned, “I know that OVLG is charging a lot of fees while they work on settlements”.

    OVLG saved a total amount of $652 for you. As per our fees structure, you had to pay us $163 in success fees i.e. 25% of the savings we provided you. When your Client Relationship Manager Terry informed me that you wish to cancel the program and you wanted to deal with the creditors directly, I advised him to keep only $100 and refund all your fees that we collected. The refund was already processed and you must have received the money by now. We have a 100% customer satisfaction policy. We tried our best to satisfy you. In case you wish to get the $100 fee that you paid refunded, please send me an email at [email protected]. I will immediately initiate the refund from our end.

    I would suggest you to report any further collection activities to the Department of Financial Services. Please feel free to contact with me if you need any assistance.


    Nick Denton (Analyst – Client Relationship Team) | Oak View Law Group
    My Gtalk ID is: [email protected]
    My Skype ID is: nick.ovlg
    Call me at: Direct 916-745-8104 | 800-530-OVLG ext 8104
    Fax us at: 775-540-1532


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