Recently Added Videos

Getting started on defense, and getting started on discovery are key to self defense in debt cases. For help defending yourself correctly and powerfully from debt collectors, check us out at

One of the first steps in defending yourself in debt litigation is beginning discovery – you should not wait for the debt collectors to start their discovery before you start yours.

At we have an easy 6 step application process:

Step 1: Complete the call back form online at A DebtSafe call centre agent will contact you to give you a step-by-step explanation of how the process works and send you an application form.

Step 2: Within two working days a personal consultant will contact you to discuss the details of your application.

Step 3: Once you have signed the application form, your creditors will be notified within five working days. You are now in debt counselling and protected from creditors.

Step 4: Your new Personal Payment Plan will now be sent to all creditors with new instalments.

Step 5: We will have your application issued at your local magistrate within 60 workings days.

Step 6: The debt counsellor will facilitate your debt re-arrangement application at your local magistrate.

The 3 best personal loan companies I found online!
LightStream Loans (My #1 Pick): (I may be compensated by LightStream through this link.)

Please subscribe:

The best personal loans I found were American Express personal loans, SoFi and LightStream Loans. I’ll cover them each in-depth. Enjoy.

Each of these personal loan lenders have pros and cons, so I’ll cover each of them and I’ll let you know how I feel about their loan options. It was very hard to find low interest personal loans online, because there are so many to choose from. But these lenders don’t charge any dirty origination fees or pre-payment penalties and they have instant approval, which is sometimes hard to find.

Personal loans can be very expensive, so watch this video and hopefully you’ll learn something new. And keep in mind that you’ve gotta have good credit to be approved for these loans. Bad credit won’t work with these lenders.

Overall I felt like American Express is the best personal loan for smaller loans with shorter lengths (like 12-36 months). They have great rates and terms, but you’ve gotta be a cardmember to qualify.

SoFi is incredible because of all their perks and transparency, but when it came down to their actual rates, they were a little higher than the competitors.

My top pick goes to LightStream Loans Because overall they have the most lending options and the best rates for larger unsecured loans. and they have au

Just remember that personal loans aren’t always the best option for loans, but if you need one, then I’d look into these three choices. Thanks

American Express Personal Loans:
SoFi: Asked that the link be removed 🙁


Support my channel by shopping with these affiliate links (they won’t cost you anything). Thanks a million!!

The $3 Book that Changed my Life:

My favorite Credit Card (Get $250):

Get 2 Free Audiobooks from Amazon’s Audible:
Because leaders are readers 🙂

Amazon Prime (30 Day Free Trial):


Check out Betterment for managed, low-fee investing:

Get a Free Stock for trying Robinhood:

Lightstream loans is who I recommend for any auto loans, personal loans or debt consolidation. They have the best rates and don’t charge any fees or pre-payment penalties:

Books I Recommend…..
Best Book on Time Management:
Best Book on Investing/Stock Market:
Best Book on Budgeting/Debt:
Best Book on How Money Works:




Welcome to the Honest Finance Channel!

I’ll give you the honest truth about a variety of financial topics in a way that actually makes sense. I’m not a financial advisor and I’m not here to advertise a bunch of products. I simply want to share my financial advice with anyone who will listen.

Help me translate my videos:

I am a participant in affiliate advertising programs designed to provide a means for myself to earn a small commission by linking to affiliate sites.


DebtBusters is South Africa’s largest and most successful debt companies, striving to assist our clients every step of the way towards financial stability. With more than 12,000 satisfied clients to date, we are the largest debt management company in the country. We offer a personalised service that is tailored to suit each individual’s situation and operate countrywide. With more than 120 staff, we are able to assist you every step of the way for however long it may take.

Megan is $28,000 in debt and only bring home about $27,000. She realizes she needs to pay off her debt and asks Dave where she should start.

Visit the Dave Ramsey store today for resources to help you take control of your money!

Become a Channel Member today:

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!


Source: article, adapted under license.

Credit counseling (known in the United Kingdom as Debt counselling) is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

In the United States, the National Foundation for Credit Counseling was established in 1951. The modern practice known as ‘‘credit counseling’’ was initiated by creditor banks and credit card companies during the mid-1960s to address the growing volume of personal bankruptcies.

Although there is variation from country to country and even in regions within country, consumer debt is primarily made up of home loans, credit card debt and car loans. Credit counseling includes an array of services to address consumer debt that is not within the debtor’s ability to pay. In addition to education, a popular credit counseling option is the ‘‘Debt management plan’’ (‘‘DMP’’, known in the United Kingdom as the Individual voluntary arrangement or “IVA”). In order to initiate a DMP, a consumer would authorize the credit counselor to contact each of the consumer’s unsecured creditors and negotiate with each creditor to lower the consumer’s monthly payment amount, to lower the interest rate, and to waive any outstanding late fees. The debt was then ‘‘consolidated’’ into a single payment.

Credit counselors can sometimes negotiate debt relief, where part or whole of an individual debt is forgiven. Another option is Debt consolidation, in which one new loan replaces multiple unsecured credit debts. The Debt-snowball method is a budgeting approach that addresses debt systematically.

Global criticism of credit counseling comes primarily from predatory practices that take advantage of debtors that are already struggling. These practices include failing to meet required standards, charging unlawful or unreasonable fees, failing to provide affordable solutions for consumers, and neglecting to make customers aware of free debt services available elsewhere.

Debt-Savvy’s Founder & Managing Director explains the application process and the fees applicable during the period you are under debt review. Learn more at or follow us on Facebook here:

MoneyVineSA – “Is Debt Consolidation a Good Idea?”

Jabu is a 30 year old young man who worked for a corporate finance firm and
lived in an expensive loft apartment in a trendy corner of Sandton. Close to the
capital’s financial district and had a fondness for fine dining. Jabu is well
dressed young man who mixes grueling hours in Sandton’s financial district with
a lavish social life in the capital’s nightspots.

Jabu is paying mortgage for his expensive loft apartment and drives 2 latest
BMWs. When the recession hit South Africa, Jabu got a huge pay cut.
Jabu appeared to see his work hard, play hard lifestyle (play the hip hop track
work hard play hard here) unraveling and he decides to approach the bank to
borrow so that he can sustain his lifestyle. Jabu ends up with a trail of debt
which includes huge credit card debt, 6 micro loans, retail/ store card debt.

Jabu calls Debt Sage One of South Africa s growing Debt Counseling companies
based in Johannesburg.

Congratulations to Jabu for taking first step in controlling his debt. It’s
important that Jabu and Debt Sage work together on this, because he knows his
situation and Debt Sage can help. Talking things over with Debt Sage who have
knowledgeable debt counselors and have helped hundreds of people just like you
may be all you need. Debt Sage has helped South African consumers save their
homes, vehicles and get rid of debt fast.

How does Debt Sage help Jabu. Nobody blames the tiger for stalking its prey, but
society blames the zookeeper for leaving the tiger’s cage open. But at Debt Sage
we understand your situation and we do not judge.

Debt Sage will then first, Come up with a budget and see how much you need for your household and whatever remains is channeled towards your debt.

Debt Sage we will negotiate on your behalf to have your current debt restructured with all your existing creditors. Money is not loaned, but a manageable repayment plan is achieved. Debt Sage will achieve this through loan modification which includes lowering the interest rate or extending the term of the loan among other alternative techniques

Drastic times require drastic measures! If you are really deep into debt you
might want to consider more drastic steps in Jabu s case like moving to a city
with lower cost of living, to a smaller house, to an apartment with lower rent


Getting rid of debt is like going on a financial diet; it is not easy and the
temptations to give in are high. Debt Sage will be there with you all the way.
There will be that tiny voice in your head that says, what s the point of money
if you can t enjoy life? Call Debt Sage today to get out debt fast. We
understand debt and we are changing lives in South Africa.

Learn the Pros and Cons of Unsecured Debt Consolidation Loans.

Visit for more detailed information about:

3 Best Lenders For Unsecured Debt Consolidation Loans

Please Subscribe to this channel for more ALTERNATIVE finance news, click here to subscribe: