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How do the finances get split in a divorce or separation? Caitlin Jenkins, experienced family and divorce lawyer at top 50 UK law firm Mills & Reeve, answers questions frequently asked by people trying to navigate their way through the complex legal process of divorce. Mills & Reeve has one of the largest family law teams in the UK and firmly believes in helping clients to help themselves. This video is part of a suite of information for those going through divorce or separation, made freely available on

The United States has a $27 trillion dollar problem. An addiction to government Debt and one which is growing by the day.

US Debt has grown by over 800% since 1990, accelerating its unfavourable title of having the largest debt by value in the world.

But does America’s Debt really matter? Well this depends on who you ask.
Ultimately its addiction to debt is a consequence of tax cuts, an ageing population, and how cheap it has become to borrow ever larger sums.

#USDebt #NationalDebt #GovernmentSpending

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?”How Asia Works: Success and Failure”:
?”The Ascent of Money: A financial History of the world”:
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So, what are the pros and cons of debt relief, or debt settlement?

Let’s start with the pros. Settling your debts through a debt relief, or debt settlement company could resolve your debts in a shorter amount of time.

When you enroll into a debt relief or debt settlement company, they negotiate down your debts on your behalf with your creditors, so that way you can settle your debts for less.

Nothing happens overnight, however, in a few short years, or even months, you may be able to have your debts resolved and paid off for good.

Settling your debts may be a better option than filing bankruptcy, depending on where you’re at financially.

Everyone’s financial situation is different, so that would be something that you would have to talk with a debt expert about to make sure that debt relief or debt settlement is the right option for you.

In a debt relief or debt settlement program, you typically have one lower monthly payment that you can afford to pay, and throughout the program, when you resolve your debts, you’re settling your debts typically for less.

Okay, so here are the cons. Debt settlement could negatively impact your credit, however, if you have a high debt-to-income ratio, that may already be keeping you from getting a loan, even if you have a good credit score. You may be charged a fee if your debts are settled.

A debt relief company is not able to charge you an up-front fee. However, if your debts are settled and you’re using their negotiators and their program, then you may be charged a fee for settling your debts.

Debt settlement and debt relief companies should not charge you a fee until they have reached a settlement agreement that you have agreed to. However, they are still a business and you’re using their top negotiators to settle down your debts with your creditors for less.

Although, you can settle your debts on your own without a fee, going with the right debt relief or debt settlement company that can get you results, may be worth it.

If you’re in financial hardship, debt relief or debt settlement may be a good option for you because you can settle your debts for less and in less time. Your credit, however, may take a slight impact, but once you resolve all your debts, you can start rebuilding your credit again and start fresh.

Thank you for watching, feel free to like, comment, or share on this video below. And if you want more information about if debt relief or debt settlement is the right option for you, visit us on our website at

Schedule your free debt analysis with an Alleviate Financial Solutions debt expert here -

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#alleviatefinancialsolutions #debtrelief #debtsettlement #whartaretheprosandconsofdebtrelief

In this video Revolved Realty Managing Partner covers the differences between Credit Repair and Debt Consolidation, and how each can affect your ability to get a home mortgage…. ? ??
? Your credit score — or FICO — is how banks, mortgage companies, and other lenders judge your credit worthiness.
? The higher your FICO score, the easier it is to get credit and the better terms you command. The lower your score… well… you know…
? If your credit score is low there are things you can do to improve it. It may take some time, but the best time to start is today. ??

This video is sponsored by The Mortgage Firm and Jacob Title.


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If a borrower owes a debt of at least $15,000 that cannot be repaid, then either the borrower or creditor may file a Bankruptcy Application with the High Court. There are consequences to being declared bankrupt such as restrictions to travelling overseas and access to credit.

However, if one has exhausted all other options for repaying his /her debts, bankruptcy is an option for consideration.

Language: English
Presented by Credit Counselling Singapore.

Visit Credit Counselling Singapore –

Information on Bankruptcy –

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Peter Schiff on Taxes, Debt, Inflation And More

In this Peter Schiff interview he explains why the government uses taxes to pay all the debt and programs.

Welcome to Success Attraction, the number one place for educational, motivational and business content.

Our mission is to improve people’s lives trough motivation, inspiration and education, from the high achievers of the world.

In this channel you will find the best speeches for motivational videos, best motivational speeches, inspirational videos, success video motivation and best interviews from the top entrepreneurs.

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#SuccessAttraction #PeterSchiff #economy

Too much debt weighs you down, more than you think. Let the Credit Counselling Society help you get debt off your back. It’s confidential, it’s free and it works. Call us. All you’ve got to lose is your debt.

Judith explains how she got into debt and how debt review helped her get her life in order. She also has some advice for current over-indebted consumers.

This TDM Special Issue aims at analysing the current scenario that mediation faces in the context of insolvency matters, as well as new trends, developments, and challenges.

Guest Editors: Prof. Laura Carballo Piñeiro and Prof. Katia Fach Gómez

Table of Contents and Free Excerpt available at:

The Mediation of Bankruptcy Disputes in the United States
by A.L. Gropper

The Role of Mediation in the New EU Approach to Insolvency
by L. Galanti

Mediation in the Context of (Approaching) Insolvency: A Review on the Global Upswing
by N. Pavlova Mocheva, World Bank Group
A.R. Shah

Mediation in Formal and Informal Insolvency: A Greek Perspective
by E.S. Papadimitriou

The Role of Mediation in Japanese Insolvency Practice
by S.I. Abe

The Three Targets of Insolvency Mediation: Dispute Resolution, Agreement Facilitation, Corporate Distress Management
by P. Lucarelli, I. Forestieri

Mediation as A Path to Business Restructuring – Contributions to the Portuguese Insolvency Framework
by A.F. Ferreira Colaço da Conceição, C.F. Marques Cebola

The Role of Mediation in Refinancing Groups of Companies: The Case of Spain
by M. Flores

The Insolvency Mediation in the Spanish Law
by C. Senés Motilla

Out of Court Payment Agreement. A Sui Generis Mediation in Insolvency Matters in Spain
by G. García-Rostán Calvín, S. Tomás Tomás

A Deliberation on Adapting Aspects of Singapore’s Mediation Initiatives Within the Australian Federal Court’s Practice to Further Improve the Liquidators’ Recovery of Assets
by C.F. Symes, J.F. Fitzpatrick

Determinants of Failure … and Success in Personal Debt Mediation
by J.J. Kilborn

Non-Performing Loans Prevention in Italy: Early Warning Indicator and Negotiation – Mediation in Bankruptcy
by G. Matteucci

The Effect of Insolvency on International Mediation – The European and Spanish Perspectives
by M. Penadés Fons

Choice of Law aspects of Mediation in Cross-Border Insolvencies within the European Legal Framework
by M. Asgharian