Dr Tan Cheng Bock helped to start the Credit Counselling Singapore (CCS)

Credit counselling should be about personal contact. At CCSAC, a credit counsellor will be with you every step of the way on your journey to financial freedom.

Visit our website at www.solveyourdebts.com

Easily compare debt settlement, bankruptcy and debt management plans for what it will cost you, how long it takes, and how long it hurts your access to credit.

I have a heavy-hitting resource you can read through here:
http://consumerrecoverynetwork.com/credit-report-score-rating-debt-relief-programs/

SHARE THIS VIDEO: https://youtu.be/s1uScvF0mNA

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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.

Should I Consolidate My Debt? | Avoiding Bad Debt Consolidation Loans

Ever researched how to pay off debt fast and been told to use a credit card for debt consolidation. It sounds like just more credit card debt and it is! But if you understand what is debt consolidation and how debt consolidation works, you can easily get debt free while avoiding bad debt consolidation loans. No more student loans or credit card loans – just a soon-to-be debt free life. We’re walking through how to protect yourself from bad debt consolidation loans so you can pay off debt.

Ever tried to budget and felt like you didn’t know what the heck you were doing? Let’s make budgeting easy! Download my step-by-step Beginner Budget Checklist today at https://www.tianabclewis.com/beginnerbudget

Get more tips and strategies on creating a stellar budget here:
https://www.tianabclewis.com/learn-to-budget

Today, we used the Debt Reduction Calculator from Vertex42 to calculate the total interest paid with the debt snowball in our scenario: https://www.vertex42.com/Calculators/debt-reduction-calculator.html

#debtconsolidation #shouldiconsolidatemydebt #tianabclewis

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COMMUNITY: Looking for a safe place to have real conversations about money and how to leverage it better? Dreamers’ Financial Sanctuary is that safe haven you’ve been looking for: where you can talk money and finance in an encouraging and inspiring space that is designed to help you reach the next level. JOIN US AT https://www.tianabclewis.com/sanctuary

BOOK: Ready to stop suffering under the weight of debt or living trapped in the paycheck to paycheck cycle with no hope of making your dreams come true? In “That Tool Called Money”, Tiana equips families with a step-by-step plan to discover and create the lifestyle that they have only dreamed about. Grab your copy at https://www.tianabclewis.com/book

COACHING: You may know what you need to work on or you might have your financial goals, but you still need help getting there. Let’s hop on a video chat and talk through what’s getting in your way and how to knock it out of your way! Best part is… the first session is on me! Grab your Rapid Strategy Consult today at https://www.tianabclewis.com/bookonline

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CLICK TO TWEET: https://ctt.ec/P1lec

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Want more but on the go? Check out the Dreamers Financial Playbook podcast:
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CREDITS:
Subscribe Button by MrNumber112 https://youtu.be/Fps5vWgKdl0
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The National Credit Amendment Bill aims to provide relief to low-income earners, by erasing part or all of their debt.

For more on this, we’re joined by Norton Rose Fulbright Attorney’s Riccardo Petersen.

Courtesy #Dstv403

Praise for Author’s Last Book:
“Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others.
–Creditcardinsider.com

If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte–and cut up all your credit cards–this is the book for you.

Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn’t work for her.

So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years.

In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer–and stay out of–credit-card debt.

In this much-needed book, you’ll learn:
Why a one-size-fits-all approach to credit card debt doesn’t work.
How to use the Money Personality Quiz to customize your own debt escape plan.
The nine biggest debt mistakes and how to overcome them.
Seven secrets for giving your credit score a quick boost.
how to overcome the hardships of medical bills.
How to debt-proof your future so this never happens to you again!

Explanation for Gr. 12 students in Ontario about how to read and understand their CCS.

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

Watch more Credit & Credit Cards videos: http://www.howcast.com/videos/313540-How-to-Choose-a-Consumer-Credit-Counseling-Service

When life throws you a curve ball, find the best agency to help you get out of debt.

Warning
Be aware that some consumer credit counseling agencies may not be legitimate or honest.

Step 1: Make a list of possible credit counselors
Draw up a list of possible credit counselors. Many colleges, credit unions, and military bases offer credit counseling programs. Find others through web searches or referrals from friends and family.

Tip
If you choose a nonprofit agency, make sure their fees are affordable.

Step 2: See if the agency is a member of a trade association
Eliminate the agencies that aren’t members of major trade associations by searching the websites of the AICCCA and the NFCC.

Tip
Find the AICCCA, or Association of Independent Consumer Credit Counseling Agencies, at aiccca.org. The NFCC, or National Foundation for Credit Counseling, is at nfcc.org.

Step 3: Search for complaints filed against the agencies
Contact your state Attorney General’s office, your local consumer protection agency, and the Better Business Bureau to see if any of the agencies have had complaints filed against them.

Step 4: Get information about each agency
Contact each agency remaining on your list and ask for a basic information packet. They should provide this without asking for financial information or a fee.

Step 5: Review information about services offered
Review the information about each agency’s services. Look for counselors that offer a full range of options, including budget counseling and savings and debt management classes.

Tip
Avoid agencies that offer to enroll you in a Debt Management Plan, or DMP, without reviewing your financial situation.

Step 6: Ask about fees and qualifications
Ask about fees, including set-up and monthly fees. Find out how the counselors are trained and compensated. Avoid services where counselors work on commission only.

Step 7: Get a formal, written agreement
Select an agency that offers services that best meet your needs. Get a formal, written agreement that includes a price quote. Follow their advice and you’ll be on your way to financial freedom.

Did You Know?
At the end of 2008, the total amount of credit card debt in the U.S. topped $972 billion. On average, each American household carried about $8,000 in credit card debt.

http://www.nomoredebts.org/canhelp/debt-consolidation-loan-options.html
What you should consider in a debt consolidation service. There are many options available, find the best option for you. Call us today. 1-888-527-8999