Megan is $28,000 in debt and only bring home about $27,000. She realizes she needs to pay off her debt and asks Dave where she should start.

Visit the Dave Ramsey store today for resources to help you take control of your money!

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Welcome to The Dave Ramsey Show like you’ve never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!


Source: article, adapted under license.

Credit counseling (known in the United Kingdom as Debt counselling) is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

In the United States, the National Foundation for Credit Counseling was established in 1951. The modern practice known as ‘‘credit counseling’’ was initiated by creditor banks and credit card companies during the mid-1960s to address the growing volume of personal bankruptcies.

Although there is variation from country to country and even in regions within country, consumer debt is primarily made up of home loans, credit card debt and car loans. Credit counseling includes an array of services to address consumer debt that is not within the debtor’s ability to pay. In addition to education, a popular credit counseling option is the ‘‘Debt management plan’’ (‘‘DMP’’, known in the United Kingdom as the Individual voluntary arrangement or “IVA”). In order to initiate a DMP, a consumer would authorize the credit counselor to contact each of the consumer’s unsecured creditors and negotiate with each creditor to lower the consumer’s monthly payment amount, to lower the interest rate, and to waive any outstanding late fees. The debt was then ‘‘consolidated’’ into a single payment.

Credit counselors can sometimes negotiate debt relief, where part or whole of an individual debt is forgiven. Another option is Debt consolidation, in which one new loan replaces multiple unsecured credit debts. The Debt-snowball method is a budgeting approach that addresses debt systematically.

Global criticism of credit counseling comes primarily from predatory practices that take advantage of debtors that are already struggling. These practices include failing to meet required standards, charging unlawful or unreasonable fees, failing to provide affordable solutions for consumers, and neglecting to make customers aware of free debt services available elsewhere.

Debt-Savvy’s Founder & Managing Director explains the application process and the fees applicable during the period you are under debt review. Learn more at or follow us on Facebook here:

MoneyVineSA – “Is Debt Consolidation a Good Idea?”

Jabu is a 30 year old young man who worked for a corporate finance firm and
lived in an expensive loft apartment in a trendy corner of Sandton. Close to the
capital’s financial district and had a fondness for fine dining. Jabu is well
dressed young man who mixes grueling hours in Sandton’s financial district with
a lavish social life in the capital’s nightspots.

Jabu is paying mortgage for his expensive loft apartment and drives 2 latest
BMWs. When the recession hit South Africa, Jabu got a huge pay cut.
Jabu appeared to see his work hard, play hard lifestyle (play the hip hop track
work hard play hard here) unraveling and he decides to approach the bank to
borrow so that he can sustain his lifestyle. Jabu ends up with a trail of debt
which includes huge credit card debt, 6 micro loans, retail/ store card debt.

Jabu calls Debt Sage One of South Africa s growing Debt Counseling companies
based in Johannesburg.

Congratulations to Jabu for taking first step in controlling his debt. It’s
important that Jabu and Debt Sage work together on this, because he knows his
situation and Debt Sage can help. Talking things over with Debt Sage who have
knowledgeable debt counselors and have helped hundreds of people just like you
may be all you need. Debt Sage has helped South African consumers save their
homes, vehicles and get rid of debt fast.

How does Debt Sage help Jabu. Nobody blames the tiger for stalking its prey, but
society blames the zookeeper for leaving the tiger’s cage open. But at Debt Sage
we understand your situation and we do not judge.

Debt Sage will then first, Come up with a budget and see how much you need for your household and whatever remains is channeled towards your debt.

Debt Sage we will negotiate on your behalf to have your current debt restructured with all your existing creditors. Money is not loaned, but a manageable repayment plan is achieved. Debt Sage will achieve this through loan modification which includes lowering the interest rate or extending the term of the loan among other alternative techniques

Drastic times require drastic measures! If you are really deep into debt you
might want to consider more drastic steps in Jabu s case like moving to a city
with lower cost of living, to a smaller house, to an apartment with lower rent


Getting rid of debt is like going on a financial diet; it is not easy and the
temptations to give in are high. Debt Sage will be there with you all the way.
There will be that tiny voice in your head that says, what s the point of money
if you can t enjoy life? Call Debt Sage today to get out debt fast. We
understand debt and we are changing lives in South Africa.

Learn the Pros and Cons of Unsecured Debt Consolidation Loans.

Visit for more detailed information about:

3 Best Lenders For Unsecured Debt Consolidation Loans

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Credit Counseling Services can provide lower monthly payments on credit card debt and other unsecured bills. One phone call can quickly help you learn for yourself if you qualify and understand just how much lower your payments can be.


Credit Counseling is often referred to as a form of debt consolidation because you combine all of your payments that are in the debt management program into one payment.


Credit Counseling Services Help Lower Your Monthly Credit Card Payments

5 Ways to Compare Credit Counseling with Debt Settlement

For more tips on how to get out of debt,

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

Hi everyone. Thank you for joining me today. I’m here reviewing my current debt #’s. Everyone probably say’s this but I was inspired by Dave Ramsey to become debt free. I have seen other youtubers that are also in there own journey. Please subscribe and like my videos. I would really like for you to join me and come along for this ride.

Carlos D. Martinez Esq. explains scams related to debt consolidation and outlines what really goes on after you enroll in a plan to manage your debt.

There is an enormous stigma that goes hand-in-hand with filing for bankruptcy. The mere term bankruptcy can cause a feeling in some of immorality and failure. Nonetheless, certain terms like debt consolidation, credit management, debt resolution, debt relief, etc., cause a dramatically divergent emotional response. These matters are marketed as a sweet, painless alternative to bankruptcy. In reality, this is most certainly not the case.

Only filing bankruptcy can deliver the legal safeguards needed to dismiss creditors offer the ability to effectuate a fresh start. The bankruptcy procedure is a well-oiled machine, composed by Congress to treat debtors and creditors fairly. Do not let their deceitful marketing fool you. Bankruptcy is not equate with failure. Utilize the handy tools our legal system has offered and center focus on your future with a clean slate.

If you have any questions about your choices and are interested in seeing if bankruptcy is right for your situation, we would love to meet you for a free consultation. Visit to get started on your financially-free expedition.

Part 2 in our Social News Interviews Series – Find out why certified credit counselor Avineet Kalsey decided to become a credit counselor.

You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office:
12033 92A Avenue #205, Surrey, British Columbia V3V 4B8
Tel: 604-951-8984

Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984

Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984

Edmonton Office:
10665 Jasper Ave,
Edmonton, AB, T5J 3S9
Tel: 780-716-8984

Winnipeg Office:
330 St. Mary Ave,
Winnipeg, MB, R3C 3Z5
Tel: 204-962-8984

Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984

or Nationwide call: 1-866-790-8984
49.047552, -122.337449

Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free
consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!

For over 18+ years, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

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