Getting a debt consolidation loan isn’t that hard. If you know where to look. There are two kinds of debt consolidation loan lenders. Prime, and high risk.
Whenever you are looking for a debt consolidation loan to consolidate credit card debt, always start and end with your bank. Otherwise you could end up in a situation where you are paying 30-39% interest to a high risk lender.
Watch the video to learn how to get a debt consolidation loan.
Visit: http://www.totaldebtfreedom.ca/ for more info
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Debt counseling and debt review is expected to offer people who are over-indebted a way to negotiate a more affordable repayment plan with their creditors. The process of debt counseling is provided for in the National Credit Act (NCA), , and applies to credit agreements entered into before and after that date.
If you are struggling to pay your debts, facing legal action or you are about to have your vehicle and/or property repossessed, you can approach a Help with debt, debt counselor and ask him or her to review your situation.
Alternatively, a credit provider, such as your bank or a retailer, may refer you to a Help with debt, debt counselor if you fail to meet your repayment obligations.
There are no restrictions on who can use Debt counseling and debt review trough Help with debt, – anyone from any income group and who owes any amount of debt can apply for debt counseling. Through Help with debt
Help with debt, Debt counselors are entitled to charge you an upfront fee of R50 plus VAT for an application to have your debt reviewed. A Retainer of R300 will be kept as early cancellation fee. This R300 will be deducted off the Rehabilitation fee payable
Most also charge you substantially more for an initial review of your debts, and Help with debt may offer to review your debts on an ongoing basis, for which they will also charge a fee. But as yet there are no set amounts that Help with debt, debt counselors may or may not charge for initial and ongoing reviews.
The National Credit Regulator (NCR) plans to help lower-income earners by paying their Help with debt, debt counselors’ fees.
Before determining whether or not to accept your application to review your debt, a Help with debt, debt counselor must consider your debts and financial obligations to determine whether you are over-indebted. The NCA describes over-indebtedness as a situation in which you are or will be unable to meet all your debt obligations timorously.
A Help with debt, debt counselor will investigate your existing income and your income-earning prospects, and all your current financial obligations.
Once a Help with debt, debt counselor has accepted your application, he or she will inform all your creditors and every registered credit bureau that you have applied for debt counseling. You will not be able to access any further credit until your debts have been repaid. You will even have to cut up your credit and store cards.
The Help with debt, debt counselor will then consider your debts and financial obligations to determine what you can afford to repay each month, and will enter into negotiations with your creditors to restructure your debt.
If your creditors agree to the repayment proposal put forward by the Help with debt, debt counselor, the counselor will apply to the National Consumer Tribunal for a consent order for the repayment plan.
If your all creditors do not agree to the plan, the Help with debt, debt counselor will take the plan to a magistrate’s court, and the court will have to decide what is a fair repayment plan. In this case you could face further charges for the cost of hiring lawyers to represent your case in court.
If a Help with debt, debt counselor suspects that you were given credit recklessly because you could not afford it, he or she can ask a court to decide if this was indeed the case and if so to suspend the agreement or set it aside.
Once your repayment plan is agreed, you will make payments to a distribution agency registered with the NCR and it will distribute what you pay to your creditors. The agency will be paid by way of a fee from the creditors.
How Debt Consolidation Affects Credit. Part of the series: Credit Card Debt. Debt consolidation affects credit by placing individuals in credit management programs that will help them eliminate debt. Discover how a credit score can be affected negatively by debt consolidation with help from an experienced businessman in this free video on credit card debt. Read more: http://www.ehow.com/video_4874449_debt-consolidation-affects-credit.html
This is the first of four short videos that explain key features of the Farm Debt Mediation Act 1994 (NSW). In NSW a lender has to offer confidential mediation before taking possession or other enforcement action for a farm mortgage. Farmers may ask for mediation at any time. This video explains the main steps in a mediation process, the benefits of mediating, and that farmers can seek help to prepare for mediation from Rural Financial Counsellors, accountants or lawyers. More information is available from the NSW Rural Assistance Authority’s website (https://www.raa.nsw.gov.au/) or a NSW Rural Financial Counsellor.
Chris Hogan stirs audiences to action wherever he speaks. Whether Chris is delivering a keynote on personal money management or teaching an all-day leadership training for business owners and professionals, your audience will be entertained and challenged.
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This is video four in a four part series that explains farm debt mediation in NSW. This video discusses the role of the mediator, how parties can mediate effectively, and the types of agreements that might be negotiated during the mediation. It also explains the next steps after a satisfactory mediation, including the certificate issued and appeal mechanisms. More information is available from the NSW Rural Assistance Authority’s website (https://www.raa.nsw.gov.au/) or a NSW Rural Financial Counsellor.
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Debt consolidation… is it a good thing? It can be good or bad depending on why you want to do it. First, let me ask you if you’re coming at life from a consumer mindset, or an investor mindset. The reason I ask, is there are good debts, and there are bad debts.
When you consolidate consumer debt, you are doing something really smart. When you are consolidating good debts, business debt, or investor debts that make you money, it may or may not be a good idea.
The typical goal of debt consolidation is to pay off the debt, but you don’t typically want to pay off good debts. Instead, you control them for a while, then let them go.
Watch and Enjoy!
Kris Krohn & Nate Woodbury
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Video by Nate Woodbury (The Hero Maker)