Pam and her husband have a combined $630,000 in student loan debt. She asks Dave where she should start on paying that off.

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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!

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.

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
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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

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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.

We do a Forensic Audit on your credit cards, loans and store accounts to ascertain/determine if any fraud/reckless behaviour that might be the reason why you paying huge amount of interest on your accounts/debt.

After the qualification of our Audit we encourage our clients to enter into Debt Mediation to bring the ease of mind and create an opportunity for our consumers to go home with more money every month.

The numbers are in for the month of November.

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Debt counselling is a process of assisting consumers that are experiencing debt related problems through:-
Budget advice;
• Restructuring their payments;

This video describes a situation where spouses are married in community of property, applies for debt review and then a spouse passes away, what happens to that estate and what should you do as a Debt Counsellors.

we have Sandile and Tshepiso joining us today to discuss all about Debt, debt review and how to solve debt. You don’t want to miss this one. And dont miss out on a competition of walking away with free Versace eye glasses from PRETTY MATLAILA OPTOMETRY Hosted by chef Phathanani Mbatha, he invites 1 guest to come and wine and dine with him. He prepares a meal while he has social engagements with the guest. And the topics are randomly picked from a bowl of topics. The sole purpose of this show is to give back!! It is powered by Mothupa Foundation. The guests bring along a pair of school shoes to be contributed to an orphanage home. ************************************************************************************* Host: @PHATHA Visuals: @maligant_media Animation: @maligant_media *************************************************************************************??Twitter: https://twitter.com/munchies_za ??Instagram: https://instagram.com/munchies_thoughts ??Facebook: https://www.facebook.com/munchiesandthoughts ***************************************************************************** DON’T FORGET TO SUSCRIBE COMMENT SHARE ************************************************************ #munchiesandthoughts #cookingshow #youtubeSA

Are some banks making you pay prescribed debt? The Banking Services Ombudsman has been receiving complaints about credit providers misleading consumers into repaying debt that should have been written off because it had been prescribed. Debt such as unsecured loans, vehicle loans, and credit cards can prescribe after a certain period of non-payment.
This means it has expired, and credit providers are no longer allowed to collect it. Reana Steyn of the Ombudsman joins me now for more.

Imagine having your student loan debt completely wiped out within the next month! It may sound impossible, but for 800 thousand people, this dream is about to become a reality. The Education Department recently announced plans to write off over $39 billion of loans, tax-free, benefiting those who have been burdened by student loan debt for over 20 years.

In this video, we’ll break down the eligibility criteria for the program and reveal the hidden benefits of consolidation. Learn how combining your federal loans could accelerate your journey to loan forgiveness, as demonstrated by real success stories like Kyle’s, who eliminated almost half a million dollars in student debt.

Don’t miss this opportunity to take charge of your financial future. Watch now to explore the path to student loan forgiveness and find out if it’s time for you to consolidate.

*ADDITIONAL READING*

Want a deeper dive? Read our blog post on *How the IDR Waiver Works* available here: https://www.tateesq.com/learn/idr-waiver-adjustment

And on *Should I Consolidate My FFEL Loans to Direct Loans* available here: https://www.tateesq.com/learn/ffel-should-consolidate-direct-loans/

*TIME STAMPS*

00:00 Introduction

01:07 Context & Background

02:07 Explanation of Income-Based Forgiveness

02:48 IDR Waiver Explanation

03:34 Eligibility & Consolidation

05:11 Consolidation Superpowers

06:36 Case Study: Kyle

07:40 Clarifying Consolidation & Waiver

08:23 Outro

*NEED HELP?*

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*CREDITS*

Hosted by Stanley Tate

Produced by Marc Vilarnau

Editing by Marc Vilarnau

Motion graphics by Unai Vellido

Copywriting by Emma Head

Color Correction by Bojan Ilieski