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Q. I have a bad credit score. Can I get a debt consolidation loan?
A. Your credit score is a reflection of how you handle credit and debt. A bad credit score shows that you haven’t handled your credit accounts responsibly so a new creditor is unlikely to offer you a debt consolidation loan with a low interest rate.
Even though you may not qualify for a debt consolidation loan there is a way you can reduce your debt and save some money in the process.
It’s called debt negotiation also known as debt settlement. You can negotiate with the creditor or debt collector to settle your debt for less than what you owe. Of course, your lender will need to accept the settlement and agree to cancel the remainder of your debt. Most of them will agree to settle since they would get nothing if you decided to file for bankruptcy.
Plus, debt negotiation is not as severe a hit to your credit score as a bankruptcy filing.
If you don’t want to hassle negotiating with your creditors, you can hire a BBB accredited debt negotiation company to do it for you. Visit https://www.nationaldebtrelief.com to learn how to consolidate your credit card debt without bankruptcy.
What is debt counselling? More info here…http://www.debtcounsellinghelp.co.za
Debt counselling is the process that is intended to help restructure the debt obligations of consumers who cannot pay their debts. A consumer will have to involve a debt counsellor who will negotiate the restructuring of a consumer’s debt obligations with his or her credit providers. The purpose of debt counselling is to assist consumers in meeting their debt commitments.
If you need the help of a debt counsellor, simply visit our website and complete contact form online. We will call you back and take you through the process step by step. We will answers all your questions and explain your rights you have while in debt counselling.
This video is prepared by the Magistrates Court Legal Advice Service highlighting ways to avoid going to court by trying mediation.
MCLAS:
https://law.adelaide.edu.au/free-legal-clinics/magistrates-court-legal-advice/
Mediation SA:
http://mediationsa.org.au/
I wish I knew this about Debt Counselling before I applied.
Known as debt review or debt counselling, debt relief measures like debt review offers debt relief to borrowers in South Africa who are over-indebted. To prevent consumers from being blacklisted, the National Credit Act (NCA) introduced this process in 2007.
An income-constrained South African can benefit greatly from the process if they are finding it difficult to make ends meet. Especially for those who cannot keep up with monthly debt payments after falling further into debt. Debt review is safer, cheaper, and more effective than consolidation loans, which tend to be short-term and can end up getting consumers deeper into debt.
Are you having difficulty paying your debts on time and in full? Does it take a lot of effort to pay for your basic needs? Then you need a debt review.
A debt counsellor can help you with the legal process if you are over-indebted. To get help with debt, you need a debt counselor registered with the National Credit Regulator (NCR). Get in touch and I will recommend a few for you.
??TIMESTAMP??
00:00 Introduction
00:50 The reasons people seek Debt Review
01:24 Reckless Lending Explained
01:43 The biggest mistake people make with Debt Review.
01:59 Debt counseling: All you should know before applying
02:41 How Debt Counselors exploit poor consumers
03.15 In what ways do Debt Counselors help?
02:38 Don’t lose your Assets
03:46 Authors experience in Debt Review
05:34 Who is eligible for Debt Review
06:02 What is Debt Review
06:31 Significance of Interest and Budget in Debt Review
06:56 Reasons to apply for Debt Review
07:52 The purpose of Debt Review
09:22 Wrong reasons to join Debt Counselling
10:53 Clearance Certificate
11:55 What should you do after this advice?
12:53 Payment Distribution Agency (PDA)
15:50 Contact Details.
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?Debt Consolidation in South Africa ?South Africans Overwhelmed by Debt?
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? About Austin Kalajila
I am a person who is positive about every aspect of life. There are many things I like to do, to see, and to experience. I like to read, I like to write; I like to think, I like to dream; I like to talk, I like to listen. I like to see the sunrise in the morning, I like to see the moonlight at night; I like to feel the music flowing on my face, I like to smell the wind coming from the ocean. I like to look at the clouds in the sky with a blank mind, I like to do thought experiments when I cannot sleep in the middle of the night. I like flowers in spring, rain in summer, leaves in autumn, and snow in winter. I like to sleep early, I like to get up late; I like to be alone, I like to be surrounded by people. I like country’s peace, I like metropolis noise; I like delicious food and comfortable shoes; I like good books and romantic movies. I like the land and nature, I like people. And, I like to laugh.
Channel Link: https://youtu.be/_AJjkoYvBCQ
??It is because of this reason that people are lousy at love.
??LET THEM GO | When life throws lemons at you make lemonade.
??Your Own Thoughts and Feelings determine your mental health.
??As my father’s daughter | I am proud to be my Father’s girl.
??Fight Against Child ABUSE, Emotional, and all forms of ABUSE
??A Special Dedication To All Mother’s. Mama I Am SORRY.
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You Can’t Get Out Of Debt By Doing THIS!
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The hard work for any debt counsellor really starts when they kick off the process of negotiating with the creditors, says Rudi Bedeker of DCM.
Free Debt Consolidation Calculator: https://tryascend.com/qualify/debt-consolidation-l
Debt consolidation can be a very generic topic that companies potentially use to confuse consumers. There are two forms of debt consolidation that are popular in the United States, but drastically different in terms of pros and cons.
This is why it may be extremely important to understand the differences between debt consolidation before deciding whether it’s your best option to get out of debt.
Here’s what we will cover in today’s debt consolidation video:
Chapters:
0:00 Intro
0:35 Debt Consolidation Loan vs Debt Consolidation Program
1:25 Real-Life Example
2:40 What is Debt Consolidation Program?
3:09 What is a Debt Consolidation Loan?
3:50 3 Questions to Ask
4:50 Conclusion
#debt #debtfreejourney #debtconsolidation
Music: https://www.bensound.com
Women typically earn between 23% and 35% less than men in South Africa for the same job. This is a stark reminder that the gender pay gap is still a huge problem in South Africa. This International Women’s Month, the National Debt Advisors shows that over 50% of women looking for debt help are juggling multiple debt burdens at once to make ends meet. Courtesy #DStv403
With South Africans continuing to become an over indebted society, how one begins to dig themselves out of the hole of debt becomes not only a financially important decision, but also one of legal imperative.
The President of the Debt Counsellors Association of South Africa, Paul Slot joined Tim Modise on the show to discuss the process of debt review, how one finds themselves in that position and most importantly, how one gets themselves out of it.
Edmonton Credit Counselling – Job Loss And Debt Help Edmonton AB – Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Arvinder Kalsey right now. 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 Ave #205 Surrey, BC V3V 4B8
Tel: 604-951-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo
Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs
Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
Edmonton Office:
Tel: 780-716-8984
Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984
http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about
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 – 2016 can be your year that you begin on the journey to finally becoming debt free!
For over a decade, 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 http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.
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Review Text:
After being laid off and with jobs tight here in Edmonton, I had to seek out an Edmonton credit counselling option and found BSCC. Mr. Kalsey showed me some great solutions, and I was able to stop the court order which would have affected my house. I’m on the path to being debt free which I never thought would ever happen. – Tim R.
