Question 1

What is Ooraa’s debt relief program?

Accepted Answer

A structured program that helps reduce unsecured debt through professional negotiation.

Question 2

Who is the debt relief program for?

Accepted Answer

Individuals facing financial hardship with unsecured debts they cannot manage.

Question 3

What types of debt qualify?

Accepted Answer

Credit cards, medical bills, personal loans, and other unsecured debts.

Question 4

Is debt relief legal?

Accepted Answer

Yes, debt relief is a legal alternative to bankruptcy.

Question 5

Will my creditors be contacted?

Accepted Answer

Yes, Ooraa negotiates directly with enrolled creditors.

Question 6

Do I make one monthly payment?

Accepted Answer

Yes, you make a single monthly program payment.

Question 7

How long does the program last?

Accepted Answer

Most programs take 24–48 months, depending on debt amount.

Question 8

Does debt relief eliminate all debt?

Accepted Answer

No, but it aims to significantly reduce what you owe.

Question 9

Is good credit required?

Accepted Answer

No, credit score is not a qualification requirement.

Question 10

Is there a free consultation?

Accepted Answer

Yes, Ooraa offers a free, no-obligation evaluation.

Question 11

What is debt settlement?

Accepted Answer

Negotiating with creditors to settle debts for less than the full balance.

Question 12

How does Ooraa handle settlements?

Accepted Answer

They negotiate lump-sum or structured settlements on your behalf.

Question 13

Are settlements guaranteed?

Accepted Answer

No, creditors are not required to accept settlement offers.

Question 14

How much can my debt be reduced?

Accepted Answer

Results vary, but many clients see meaningful reductions.

Question 15

Will my accounts be closed?

Accepted Answer

Yes, enrolled accounts are usually closed during settlement.

Question 16

Does settlement affect credit scores?

Accepted Answer

Yes, there may be short-term negative impact.

Question 17

Are there upfront fees?

Accepted Answer

No, fees are charged only after a successful settlement.

Question 18

Can legal action occur during settlement?

Accepted Answer

In rare cases, creditors may pursue legal options.

Question 19

How are settlements paid?

Accepted Answer

From funds accumulated in your dedicated program account.

Question 20

Can I exit the program early?

Accepted Answer

Yes, subject to the agreement terms.

Question 21

What is credit counseling?

Accepted Answer

Professional guidance to help manage debt and improve financial habits.

Question 22

Is credit counseling included with debt relief?

Accepted Answer

Yes, guidance is part of the overall support process.

Question 23

Will I receive budgeting help?

Accepted Answer

Yes, counselors help create realistic budgets.

Question 24

Does counseling improve credit scores?

Accepted Answer

It can help long-term through better financial management.

Question 25

Is credit counseling mandatory?

Accepted Answer

It is recommended but tailored to individual needs.

Question 26

Will counselors contact creditors?

Accepted Answer

They may assist as part of the overall program.

Question 27

Is counseling confidential?

Accepted Answer

Yes, all financial information is kept confidential.

Question 28

Are there extra fees for counseling?

Accepted Answer

No separate fees are charged.

Question 29

Can counseling help avoid bankruptcy?

Accepted Answer

Yes, it often helps clients explore alternatives.

Question 30

Is counseling available nationwide?

Accepted Answer

Availability depends on state regulations.

Question 31

What does creditor negotiation involve?

Accepted Answer

Direct discussions with creditors to reduce balances owed.

Question 32

Who negotiates with my creditors?

Accepted Answer

Experienced debt specialists handle negotiations.

Question 33

Will creditors agree to negotiations?

Accepted Answer

Many do, but acceptance is not guaranteed.

Question 34

Are all creditors contacted at once?

Accepted Answer

Negotiations usually happen one account at a time.

Question 35

Does negotiation stop interest?

Accepted Answer

Interest may continue until a settlement is reached.

Question 36

Will I be informed of settlement offers?

Accepted Answer

Yes, you approve settlements before payment.

Question 37

Is negotiation legal?

Accepted Answer

Yes, creditor negotiation is fully legal.

Question 38

Does negotiation affect lawsuits?

Accepted Answer

Negotiation may reduce the likelihood but cannot prevent all legal actions.

Question 39

Can old or charged-off debts be negotiated?

Accepted Answer

Yes, many older debts are negotiable.

Question 40

How long does negotiation take?

Accepted Answer

Timelines vary by creditor and debt amount.

Question 41

Is Ooraa a loan company?

Accepted Answer

No, Ooraa does not provide loans.

Question 42

Is Ooraa a bankruptcy firm?

Accepted Answer

No, Ooraa offers alternatives to bankruptcy.

Question 43

Are there upfront costs?

Accepted Answer

No, fees are performance-based.

Question 44

How are fees calculated?

Accepted Answer

Fees are typically a percentage of enrolled or settled debt.

Question 45

Is my money kept in a separate account?

Accepted Answer

Yes, funds are usually held in a dedicated account.

Question 46

Can debt relief affect taxes?

Accepted Answer

Forgiven debt may be taxable in some cases.

Question 47

Is my personal data secure?

Accepted Answer

Yes, industry-standard security measures are used.

Question 48

Can I track my program progress?

Accepted Answer

Yes, progress updates are provided.

Question 49

Is Ooraa available in all states?

Accepted Answer

Services vary by state regulations.

Question 50

How do I get started?

Accepted Answer

By scheduling a free consultation with Ooraa.

Question 51

Why should I trust Ooraa with my finances?

Accepted Answer

Ooraa follows a transparent, results-based fee model and provides clear contracts before enrollment.

Question 52

Do I sign a long-term contract?

Accepted Answer

You enroll in a program agreement, but you may cancel according to the stated terms.

Question 53

Will Ooraa ever ask me to stop paying creditors?

Accepted Answer

Program strategies vary by situation and are explained clearly during consultation.

Question 54

Can Ooraa guarantee debt reduction?

Accepted Answer

No company can guarantee results, but Ooraa works to achieve the best possible outcomes

Question 55

Is my consultation really no obligation?

Accepted Answer

Yes, the initial consultation does not require enrollment.

Question 56

Will collection accounts be included?

Accepted Answer

Yes, many collection and charged-off accounts can be enrolled.

Question 57

What happens if a creditor sues me?

Accepted Answer

Legal risks are discussed upfront, and options are reviewed if this occurs.

Question 58

Will debt relief remove negative marks from my credit report?

Accepted Answer

Negative marks may remain temporarily, but resolved debts support long-term recovery.

Question 59

Can debt relief help stop wage garnishment?

Accepted Answer

It may help in some situations, but legal cases require special handling.

Question 60

Does Ooraa work with original creditors or collection agencies?

Accepted Answer

Ooraa negotiates with both, depending on the debt status.

Question 61

Will my monthly payment be affordable?

Accepted Answer

Programs are designed around your budget and financial capacity.

Question 62

What if my income changes during the program?

Accepted Answer

Your program may be adjusted if your financial situation changes.

Question 63

Can I add new debts later?

Accepted Answer

In some cases, additional eligible debts may be added.

Question 64

Will settling debt hurt my ability to get loans later?

Accepted Answer

There may be short-term impact, but many clients rebuild credit over time.

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