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BAKU – The US budget deficit for the fiscal year 2018 hit 779 billion USD, which is 17 percent more than the year before. Much of the increase is pegged to Trump’s recent legislations. Moreover, the Congressional Budget Office expects the federal deficit to eclipse 1 trillion USD in 2020, which would generate about 9,5 trillion USD in debt over the coming decade. Yet, as substantial as this sounds, the United States is neither at risk of default nor can it continue to spend with impunity.

Soundtrack:
Decisions by Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0
http://creativecommons.org/licenses/by/3.0/

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A detailed overview of being sued by a debt collector (debt buyer) in small claims or district court

Consumer Protection Attorney John G. Watts answers your questions about what happens when you are sued by a debt collector in district or small claims court in Alabama.

We talk about the following:

**Collection court lawsuit (complaint)
**Being served
**Advertisement letters from bankruptcy lawyers and non lawyer “mediation firm” of Ferry & Nicholas
**Time limits to answer a small claims and district court lawsuit
**How to file an answer
**When you get a trial date notice
**What to do BEFORE you go to trial
**What happens in trial
**What happens after trial if you win or lose
**Why you may have the right to sue the debt collector for false credit reporting and other violations of the law after you beat the collector in the collection trial

We hope you enjoy this video and feel free to share or comment below thanks!

John G. Watts
205-879-2447
Watts & Herring, LLC
Birmingham and Madison Alabama offices (Serving clients in all parts of Alabama)

Home

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.

Do you need a little debt counselling?

Viditrainer Interviews – Episode 7

Have you ever fallen on hard times and just needed a bit of help to get out of debt? Karen Gerrits talks to Deon Terblanche about debt counselling and the role of debt counsellors in South Africa. She gives some practical advice and takes you step-by-step through a typical debt counselling process.

Hey Guys!

In today’s video, I am setting up my 2019 #DebtSnowball in my 2019 Budget Happy Planner. I’m excited that we have paid off over $25,000 in credit card debt but since then I’ve gotten pretty relaxed. it’s time to get the ball rolling again!

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| OTHER VIDEOS |

BUDGET WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAeI34RlDtQRjZ0WM7anKBTx

MONEY PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAcovAcTO8YqYAzudyPFl4Dq

PLAN WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAehmpOLOU4Gtj_T3W2X-g1P

ORGANIZE WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAcujP30e_JfrpjECuWUIpXx

FAITH PLAN WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAcjK8IAQ_4UFt7vt3SZzvQF

READING PLAN WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAf4_Gxd1ixah-TrzSZCF_Uj

| C O N N E C T W I T H M E |
Instagram – https://www.instagram.com/theorganizedmoney

| I N Q U I R I E S |
alaina@theorganizedmoney.com

*Some affiliate links are used, which means I may receive a commission should you decide to click that link and make a purchase. My content is 100% not influenced by brands, PR products received, usage of affiliate links, or brand partners

Money worries infect the lives of many people all over the world because, almost everywhere, you need money to simply survive. This guided meditation may show you how to bring peace, clarity and hope to your financial stress.

Music by Rick Clarke
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If you enjoyed this recording and would like to experience more please Subscribe to our channel (It’s Free). NEW VIDEOS every Tuesday.

?Subscribe: http://www.youtube.com/thehonestguys?sub_confirmation=1

We are also on Spotify, Tidal and most other audio streaming services.

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We write and create high quality Guided Meditations videos that are freely viewable on YouTube as well as on Spotify, Tidal and most other audio streaming services. We have been creating these meditations since 2009.

The meditations were created with one purpose: simply to help people. Every meditation is produced with genuine care and love for those people who use them, because we too, have needed the kind of help our meditations are trying to offer others.

Our ethos is to be as all-inclusive and as neutral as possible. We have no religious or other affiliations and try to keep most of our meditations suitable for everyone. We always welcome comments, feedback & suggestions and actively engage with our subscribers via our Facebook page.
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Download Audio MP3 version of this meditation here: http://www.cdbaby.com/cd/thehonestguys43
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Digital Downloads: A few places where you can purchase THG meditations.

CDBaby: http://ow.ly/ApQYy
iTunes: http://ow.ly/ApR4V
Amazon: http://tiny.cc/wc5qkx
Google: http://ow.ly/ApRsq

Streaming on Tidal –
http://goo.gl/0dMF2h

Streaming on Spotify –
http://goo.gl/vlkA5u
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Social media – Interact with us here :

Facebook : Our main THG community focused page. Interact on a daily basis.
http://www.facebook.com/THGMEDITATIONS

Twitter : Reference place to keep up to date with THG.
http://twitter.com/TheHonestGuys

Instagram: Behind the scenes photos of the THG team.
http://instagram.com/thehonestguys

Google+ : Our Google+ profile page
https://plus.google.com/+TheHonestGuys

Website : Official website of ‘The Honest Guys’
http://www.thehonestguys.co.uk
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Check out some of the other videos on this channel (over 230+ and counting!)
https://www.youtube.com/user/TheHonestGuys/videos

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Check out the complete THG playlists here :
https://www.youtube.com/user/TheHonestGuys/playlists

Samples of some of our playlists :

GUIDED MEDITATIONS
Feeling tired or stressed? Sit back, relax and let the gentle guiding voice take you into a profound and deep state of relaxation.
https://www.youtube.com/playlist?list=PL9A333FE227FF8599

EPIC POWER-MEDITATIONS
Epic power meditations are a new form of meditation/visualizations using the amazing skills of some outstanding composers and musicians.
https://www.youtube.com/playlist?list=PLuaZRqnBYUg7r5qYAu9i1BY8Pa7DOQaHJ

MIDDLE EARTH MEDITATIONS
Escape the hustle and bustle of everyday life with these guided retreats into Middle Earth. Each story averages around 18 minutes and is designed as a powerful and effective respite for the mind, from the stresses and strains of daily life. Each story is unique, with narration, music and ambient sound effects brought vividly to life within your own mind.
https://www.youtube.com/playlist?list=PLuaZRqnBYUg5tCwrkcJd0wcbvkoaH8k6_

RELAXATION MUSIC & MEDITATION TOOLS
These videos are designed to be played in the background, to help with study, sleep and relaxation.
https://www.youtube.com/playlist?list=PLuaZRqnBYUg6Ls_phXXf9SuAu0ZE3bDzV
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100%

The facts are that more that 65% of South Africans have unsecured debt. Things like credit cards, clothing accounts, personal loans and over drafts.

More than half of South African’s with debt are over-indebted or behind on payments towards their debts. (can also say defaulted)

Being over-indebted is when you are not able to pay all your debts every month with the income you have. If you are worried every month that you won’t be able to pay all your accounts.

Visit our website for more: https://www.cyberfinance.co.za
Request a Free Call Back: http://bit.ly/2KYDs32

In this video, I share 6 things I gave up to get out of debt. DISCLAIMER: I am NOT debt free yet. This video shares the choices I’ve made to stay focused on getting out of debt. These are things I don’t buy to save money and get rid of debt.

SIGN UP for Dave Ramsey’s Financial Peace University: https://www.daveramsey.com/fpu/?snid=…

DOWNLOAD reflection questions, budget forms, and budget with me next month. Sign Up HERE: http://eepurl.com/dgP7Lb

DOWNLOAD the Every Dollar Software: https://www.everydollar.com/

If you have any questions or requests please leave them in the comment section. I hope you all enjoyed this talk through budget report card. Please Subscribe and Like!!

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WATCH MY FINANCIAL PEACE JOURNEY FROM THE BEGINNING

How I Fell Back into $208,453.27 Debt (Part 1) // https://youtu.be/XSgBkYc7egw

How I Fell Back into $208,453.27 Debt (Part 2) // https://youtu.be/T5i8XOg9oz8

My First Budget OCT. 2017// https://youtu.be/6j17gNRXtxo

My 2018 Financial Goals // https://youtu.be/kYzxM1DroKw

My Debt Snowball Update – March 2018 // https://youtu.be/FBA0uLCca_I

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Disclaimer: Honesty is awesome, so I share numbers and dollars in this post. I trust you’ll honor my honesty. Just so we’re clear, everything filmed here is based on my personal experiences + opinions. Not everything I say here will work for you, but I have faith that you’ll take the information presented and apply some of it to your own finances in a new and creative way.

Joel Grisé is a Certified Credit Counsellor and a Financial Fitness Coach from K3C Credit Counselling – Ottawa which is an Accredited Member Agency of the Canadian Association of Credit Counselling Services. Joel describes what you can expect when you call a CACCS Accredited Not-For-Profit Credit Counselling Agency.

http://www.loan-lenders.co.za/debt-review-loans/
Debt Review Loans – Can you get a loan while under debt review in South Africa? For anyone undergoing the debt review process or under administration will know that it is almost impossible to get a personal loan from any of the recognized financial lending institutions.
The reason for this is that the process is governed by the Credit Act in South Africa which does not allow for additional credit to anyone undergoing debt review.
This does not mean that you cannot get credit anywhere as there will be lenders who will be more than happy to provide you with financial help although it will come at a cost in the way of higher interest rates as well as tough repayment terms.
Not all of these lending institutions are the same so it is worthwhile doing some research & going with one that offers the lowest interest rate & the most favorable repayment terms before signing your loan application for.

Let’s talk about debt consolidation, the pros and cons and if you should do it or not, from my perspective! The perspective of someone who has done it, many, many, many times. Debt consolidation will never help you win with money and while it makes mathematical sense, it is not a smart financial decision most of the time.

Check Out Dave Ramsey: https://www.youtube.com/user/DaveRamseyShow

I promise you, Dave Ramsey will change your life

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The best collab EVER: https://youtu.be/-CvckPcojCg

All my videos from day 1: https://www.youtube.com/playlist?list=PLwPcwgzuMusQrcWuV1c4mRQX-wcc_BqkE

AWESOME Recipies: https://www.youtube.com/playlist?list=PLwPcwgzuMusS2QYd86SPghKCn7eJ2j1q7

Weight loss is like budgeting:https://www.youtube.com/playlist?list=PLwPcwgzuMusRKWzV94LcllWBkeUVofx7U

Weird ways to Save Money: https://youtu.be/cJXnszrI_b0

Dumbest Thing I spent Money On: https://youtu.be/ma0w2Lu-PD0

If you would like to contribute to closed captioning or subtitles go here: http://www.youtube.com/timedtext_cs_panel?tab=2&c=UCwEyu7TDic4vdBilnR6obbg

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We are a family of three (Wendy & Mauricio and Melina Age 5), living in Vienna, Virginia with my parents while we get the heck out of debt! We are all about having a happy life and a happy home but all while keeping it real about life’s ups and downs. On this channel, you will see, debt free motivation, weight watchers and everything working mom! I hope you stick around!

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