Debt Advice, Getting The Best Debt Advice.

Debt Advice 101. How To Seek Out The Right Debt Advice.

Many people today are struggling to cope with the effects of an economic downturn. Many find themselves in hard times due to an economic worsening that has damaged their investments and hardships such as job loss or job downsizing. Unexpected medical bills in the face of rising medical costs can only make matters worse.

In order to stay afloat from day-to-day many have found themselves falling into debt as they mortgage the future to keep the present going. But this can only go on for so long before the payments on the debt itself become unmanageable. At that point, people need to turn to financial professionals,, which credit-yogi.com is designed to facilitate, for advice on getting out of debt.
Choosing debt recovery advise is a very important task. The adviser you choose must be reliable, knowledgeable, and fair. How do you find such a person to offer you debt solutions? The most important first step is to admit that you need help and cannot seem to get out of debt on your own. With that accepted, start your search for a debt advise with a basic analysis of the credentials of several firms offering debt recovery options.

Is the firm a member of any organizations such as the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies? These are non-profit organizations of debt relief advisers. Does the firm belong to the Better Business Bureau? Even if they do not, check with the Better Business Bureau to see if there have been consumer complaints filed against the firm.

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Privacy Policy

Last updated November 2019.

1. Overview.

OCONCO is the Webmaster and Data Controller regarding your submission.

OCONCO takes the protection of your privacy very seriously and this Privacy Policy sets out how your information will be handled.

2. Our Promise

We promise our users that we will:

Protect any personal data that we gather
Adhere to the principles of permission marketing*
Be clear about how we use the information we collect
Deal promptly and honestly with any complaints about our practices
Be a champion of consumer data protection
Endeavour to provide you with a personalized experience

And that we will not

Send you offers without your permission
Release personal information about you unless it is
- With your permission
- To a third party who works with us under strict contractual terms to deliver our service to you

*Permission marketing means that when you submit a request form or register you agree that we and our partner companies may use the details you supply to decide which service offers may interest you most and then to get in touch with you about these offers using the contact information you have provided. OCONCO may, also use information about you from other suppliers to increase the content of your profile.

3. The collection of information.

Information about you will be collected initially when you submit your information. This information will be used to identify offers that may be of interest to you.

Through your inquiry there may be occasions where additional personal information is collected through surveys, questionnaires, offers or competitions. This information provided by you may be shared with our commercial partners that offer related services.

Some third party websites operate under different Privacy Policies. Should you choose one of these links that will be leaving an OCONCO site for a site over which we have no control and we therefore accept no liability once you have left one of our sites.

WHEN YOU LEAVE OUR WEBSITE, THE PRIVACY POLICY ON THE SITE YOU HAVE MOVED TO MAY NOT BE THE SAME AS OURS, SO IF YOU WANT TO KNOW HOW YOUR INFORMATION WILL BE USED BY THE BUSINESS CONTROLLING THAT SITE, BE SURE TO READ ITS PRIVACY POLICY

4. The use of information.

OCONCO works with many partners to deliver offers to you that we believe may be of interest given the information you have provided.

By submitting your information through any of our data collection methods, you are agreeing that you are happy for us and our partner companies to use your details to decide which offers may interest you most and then to get in touch with you about these offers, via post, e-mail, text or telephone regardless of your federal Do Not Call Status.

OCONCO may, from time to time, use third party suppliers to provide all or part of its service to you. OCONCO shall only be entitled to disclose such of your personal information as is necessary to enable them to provide the relevant service to you.

5. Managing your personal information.

OCONCO strongly supports the principles of ‘permission marketing’ and will only send communications from itself and its partners with your agreement.

When you first register with us you agree to receive communications using any or all of the contact information you provide including e-mails, postal communications, text and phone communications.

We hope you will enjoy the communications we send you, but if at any time you change your mind, you may withdraw these permissions AT ANY TIME by either:

Using the ‘unsubscribe’ method in the telecommunications sent to you
Using the ‘unsubscribe’ link on any of the e-mail messages we send you.

If you prefer, you may change your mind or stop all further communication (there may be a short delay) by writing to: OCONCO 56 Housatonic St. Suite #1. Lenox, MA 01240. This is also the contact point if you have any complaint about our service.

If we do not hear otherwise from you, we will assume that the information you provide to us is accurate and up-to-date and we will continue to use the information to send you the communications you have requested.

Please note that OCONCO will act in accordance with local and federal laws and remove your permission as promptly as possible upon request. You may continue to receive communications for a short period of time whilst your removal request is being processed.

You have a right under the Data Protection Act 1998 to see what information we hold about you, subject to certain conditions.

Our websites may provide you with direct access to your contact details which you may update at any time but should you make an application to us in writing, we may ask you to provide us with sufficient information so that we can research your record of information. We cannot act on requests for access to personal data from third parties. We also reserve the right to make a small charge for providing you with the information you are requesting. If you would like to proceed with a request to see what data we hold about you, please write to OCONCO 56 Housatonic St. Suite #1. Lenox, MA 01240 USA

6. Security of your personal information.

When you give your personal data to OCONCO we will process that data in accordance with our responsibilities under the State and Federal Laws as well as other legislation if it is relevant.

We will keep your data safe and secure. To prevent unauthorized access, maintain data accuracy and ensure the correct usage of information, we monitor and adjust our physical, electronic and managerial procedures to safeguard and secure your personal data while in our care, or in the care of any outside suppliers with whom we may contract to process your data on our behalf.

Whilst we strive to protect your personal information, the internet is not a 100% secure medium for communication and, accordingly, OCONCO cannot guarantee the security of any information you send via the internet. OCONCO is not responsible for any loss or damage that you or others may suffer as a result of loss of confidentiality of such information.

It is your responsibility to ensure the security of your personal information and not to reveal this information to others if you are not willing to release such information.

7. Cookies, Tags and Web Beacons.

Cookies are small files of letters and numbers downloaded onto your computer when you access certain websites. Cookies unlock a computer’s memory allowing sites to recognize users when they return to a site. Like a key, a cookie itself does not contain information but when it is read by a browser it can help a website identify you and your requirements.

OCONCO uses cookies as a means of limiting the number of times you may see a certain advertisement on your screen (a process called frequency capping) to ensure that you see the best range of relevant offers and ads.

OCONCO also uses ‘web beacons’ as a means of tracking whether or not you open e-mails from us. This information is used to assess whether the message has been effective, both for you and us or our partners. The information is retained by us and used in deciding the most appropriate offers to be made to you in the future.

In some cases, we also track the pages visited when you click through from one of our advertisements to one of our partner sites. Note that this information is

- Anonymous – no personal information is released or can be derived from it
- Restricted only to our sites and the sites of our partners. We do not track pages you visit on the general internet.

Some of the partners that we advertise with require us to use cookies or action tags. These action tags provide those websites with the aggregate number of registrations to enable them to evaluate the effectiveness of their advertising. In some instances, we and another business may exchange some of your information as part of this assessment. The specific details should be explained in the ‘Privacy Policy’ or ‘Conditions of Use’ page of the partner sites.

Some of the partner websites that advertise with us may use cookies within their sites. You may decide how you wish cookies to be used. You can make and action this decision within your computer and you can easily delete cookies that have been installed in the cookie folder of your browser.

Most industry-standard web browsers have an option that allows you to turn off all cookies or have your computer inform you each time that a request to place a cookie is being made. If you turn cookies off (or refuse to accept a request to place a cookie) you may not have access to some features on our websites and our partners’ websites and you may lose the functionality of locating some of our services.

If you would like more information about cookies and how to control them no matter what version and which software you are using, go to www.allaboutcookies.org

OCONCO is not liable for information that is inaccurate due to technical defects in software used on our websites, whether induced by our systems or by software provided by third parties.

8. Changes to the Privacy Policy.

By using our websites you signify your acceptance of this Privacy Policy. OCONCO reserves the right to modify, alter or otherwise update this policy at any time. Visitors are encouraged to review this policy from time-to-time to stay abreast of any changes. Your continued use of our websites following the posting of any changes to this policy means you accept those changes.

OCONCO will undertake to revise the ‘last updated’ statement at the top and bottom of the Privacy Policy in the event of any changes to the Policy in the future.

Terms and Conditions

Disclosure

Nothing contained in any of the content or advertisements owned or operated by Real-estate-yogi.com or OCONCO, or their marketing partners including but not limited to all respective directors, officers, employees, contractors, assignees, and affiliates should be construed to constitute legal advice or counseling for your personal circumstances. The information within this site or any linked site provided should not be used as a replacement for or instead of the advice of an attorney or licensed professional. No services or professionals suggested by the sites or displayed as advertisements should be considered to be recommended, endorsed or guaranteed by anyone connected to this site or any linked site. Laws and regulations change often, therefore some information may not be based on the most recent information available on the subject. Furthermore no warranty is made about the information offered in any way. Under no circumstances will Real-estate-yogi.com or OCONCO, or any other party involved including but not limited to all respective directors, officers, employees, contractors, assignees, and affiliates be liable to you or any third party for any direct, indirect, incidental, special, punitive or other damages whether in contract or otherwise even if Real-estate-yogi.com or OCONCO is expressly advised of the possibility of such damages. You agree, now and forever, by using the site that you have read and understand these terms and conditions and that you relinquish all rights to take any action against anyone associated with this site or any linked site in any way.

Use of Your Personal Information

Your information will be protected and only used by Real-estate-yogi.com or OCONCO and their marketing partners. If a screening determines the product or service of interest may not be available we will refer you to one of our partners that specializes in that product or service or we will notify you by phone, email, or secondary webpage announcements after you have completed your request. The privacy policy of our marketing partners will dictate distribution of information once given to them.

Unless requested not to and regardless of whether or not your phone number is listed on the Federal Do Not Call List, we may (1)Follow up by telephone, SMS, or e-mail on any request to verify you received the product or service you applied for, (2)verify you were satisfied with the service you received, (3)contact you by phone or email to see if you would like to attempt to place the request again if the prior attempt did not achieve the result you desired and we feel another attempt or related product or service would yield a different outcome.

Once you are down to a short list of possible debt relief service providers , begin contacting them. Explore these issues:

Will you be offered a free initial consultation? This should include budget counseling as well as the discussion of possible debt solutions.
Does the firm seem eager to automatically pigeon hole you into a specific type of debt program, such as a debt management plan, even though debt negotiation may be a better option for you? No one plan is the right answer for all consumers. If the firm wants to steer you in any specific direction without analyzing the special needs of your situation, then you will not be getting fair and effective advice for your particular situation.
Does the firm seek out as much information as possible about your financial situation? Each person is in a unique situation, and the debt relief firm must find out all they can about your situation to give you the best possible debt advice. If the firm wants to dig deeper in to your finances and spending habits than you ever thought they would, they are probably an excellent choice to give you the best possible debt solutions.

Is the firm non-profit or for profit? This may affect the service fees that you must eventually face. Note that non-profit firms are in fact supported by the creditors, who have found this firm to be a reputable and effective representative for the consumer. After all, the creditors would rather see you getting such advice and get at least something back as opposed to seeing you file for bankruptcy and getting nothing.
Beware of firms that may claim to be non-profit but really are for profit. They just may be trying to get you to accept a higher fee schedule than you have to.
Make sure that the firm will put everything in writing. Do you really want to trust important issues on just a handshake and a verbal promise? Also see if the contract offers acceptable relief of fees, due if the firm fails to deliver the services promised.
Does the firm want some sort of an up-front fee or retainer? This could be unethical and sometimes against the law. Be sure you’ve done your research and decide if you would be better to find another firm to handle your situation.

Getting out of debt is not easy, but the help of a qualified and trustworthy professional debt adviser, which can be facilitated by credit-yogi.com, can make the task manageable and effective. Choose carefully as this will have great impact on your financial situation for years to come.

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