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What is debt review? Find out exactly what you can expect from debt review and the benefits of the process.

Cyber Finance is a national debt counselling company, registered with the NCR (NCRDC3022). Contact us if you want to find out more about debt review and solutions that can help you reduce and clear your debt.

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The Debt Counsellor is appointed by the NCR set out by the National Credit Act. (section 44.(2) A person must not offer or engage in the services of a debt counsellor in terms of this Act, or hold themselves out to the public as being authorised to offer any such service, unless that person is registered as such in terms of this Chapter
The Debt Counsellor may be reprimanded by the regulator if he/she does not work in the frame work set out by the regulator and the NCA – Find out about debt consolidation and if it is a good way to wipe out credit card debt. Will it help you get out of debt faster?

Free Credit Help by Credit Experts – 100% Free Non-Profit Credit Help

STORYTIME ON MY DEBT JOURNEY: How I got into it and how I got myself out of it. I talk a lot on here about luxury fashion and lifestyle including brands we all love here – from Chanel to Dior. But with such things comes the need to be able to pay for them. Social media has so many amazing positives, but it also encourages us all to put our best face forward! To show the fruits of our labor and not the labor itself! Debt is a real cause for concern and SO often it’s a taboo subject, one that no one wants to admit to or talk about. My debt started when I enrolled in university. Combination of me being very immature and inexperienced in terms of managing a budget that needed to cover rent/food/books…. AND, the need to still hold-down a social life at university, which meant joining peers when everyone went out in the evenings, to the cinema, shopping etc.
I didn’t tell anyone about my debt because I was frightened, I didn’t want a lecture (I already knew I was a fool for getting myself into it!) and I was embarrassed. Debt affects most of us at some point in our lives; whether it’s credit cards or a mortgage – but the debt spiral can be a hole that is near impossible to get out of. In this I tell you how my debt started with me wanting a packet of free coloring pencils (don’t ask), it then got so big that my salary wouldn’t cover the minimum payments. BUT, I dug my way out of it!! I want to share with you how I did that and let you know, you’re not alone and there is light at the end of the tunnel!


Please check out my friend Saima’s website & Instagram, she can do amazing things with crystals!! 😀

———// WHAT I WORE //——–

From Sister Jane in 2017:
Similar (not the same colour but the cut is pretty exact!):


LIPSTICK “Just Nothing”

LASHES (Designed for subtle day wear, up to 3 months wear)



Designer handbag collection:

My Chanel Collection:

My Paris Luxury Shopping Unboxing:

Collecting My New Bentley vlog:

Luxury Lifestyle videos:

Luxe Fashion Shopping Blogger Lookbooks:

Porsche 911 video:

Money, Wealth, Business, Motivation & Positivity:

Supercar Lifestyle videos (Lamborghini, Porsche, Ferrari, Bentley):


B L O G :

///Where I had Lipo Laser & Fractional laser done:

///Where I have my hair done:


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F A C E B O O K :

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S N A P C H A T : Sophie5271

D E P O P : SophieShohet (Search under the “People” filter or else you won’t find me!)

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PO Box 107
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This is not a sponsored video.

Some links to products are affiliate, I try and link to the exact item where possible but if it’s sold out, I will link to the closest similar item.

Thank you to my lovely subscribers for watching and for your support, it is valued and appreciated more than you can imagine.

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 ( or a NSW Rural Financial Counsellor.

We are so excited to have started our debt free journey! This video recounts the progress that we’ve made on our debt since beginning our journey July 17, through August.

Have questions? Feel free to ask in the comment section.

I spoke to Daniel who specialises in helping his clients to refinance their home loans. What are the main reasons people consider when refinancing to cash out the equity? The most common cause —

DEBT CONSOLIDATION… instead of paying 18% for credit cards and many other debts, the home loan offer the lowest interest rate of all! You can lower your commitment while enjoying lower interest rate.

Credit Counselling Services in Canada – Reducing Personal and Business Debt Load – Recent interview series, Part 11, where Avineet Kalsey tells us about the services that they offer to Canadians to be able to help reduce and eliminate both personal and business debt using a variety of techniques.

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 Avineet 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

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:
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

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 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 or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

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