In this period of low agricultural market prices and small margins, it is important to understand how to deal with financial trouble when it arises in a farming operation. The state of Iowa has put structures in place to help farmers work their way out of extreme financial difficulties. This process, known as mediation, can be the first step toward addressing debt repayment problems.

During the farm crisis of the 1980s, the Iowa court system was flooded with farmers facing foreclosure. Looking for a way to solve those cases before they went to court, the Iowa legislature created Iowa Mediation Service, a non-profit organization that is governed by the state’s Attorney General.

While today’s farm financial situation doesn’t mirror the 1980s, there is still cause for concern and Iowa Mediation Service is available for farmers who are at risk.

For more information visit our website: http://www.extension.iastate.edu/ag/

Watch more Credit & Credit Cards videos: http://www.howcast.com/videos/313540-How-to-Choose-a-Consumer-Credit-Counseling-Service

When life throws you a curve ball, find the best agency to help you get out of debt.

Warning
Be aware that some consumer credit counseling agencies may not be legitimate or honest.

Step 1: Make a list of possible credit counselors
Draw up a list of possible credit counselors. Many colleges, credit unions, and military bases offer credit counseling programs. Find others through web searches or referrals from friends and family.

Tip
If you choose a nonprofit agency, make sure their fees are affordable.

Step 2: See if the agency is a member of a trade association
Eliminate the agencies that aren’t members of major trade associations by searching the websites of the AICCCA and the NFCC.

Tip
Find the AICCCA, or Association of Independent Consumer Credit Counseling Agencies, at aiccca.org. The NFCC, or National Foundation for Credit Counseling, is at nfcc.org.

Step 3: Search for complaints filed against the agencies
Contact your state Attorney General’s office, your local consumer protection agency, and the Better Business Bureau to see if any of the agencies have had complaints filed against them.

Step 4: Get information about each agency
Contact each agency remaining on your list and ask for a basic information packet. They should provide this without asking for financial information or a fee.

Step 5: Review information about services offered
Review the information about each agency’s services. Look for counselors that offer a full range of options, including budget counseling and savings and debt management classes.

Tip
Avoid agencies that offer to enroll you in a Debt Management Plan, or DMP, without reviewing your financial situation.

Step 6: Ask about fees and qualifications
Ask about fees, including set-up and monthly fees. Find out how the counselors are trained and compensated. Avoid services where counselors work on commission only.

Step 7: Get a formal, written agreement
Select an agency that offers services that best meet your needs. Get a formal, written agreement that includes a price quote. Follow their advice and you’ll be on your way to financial freedom.

Did You Know?
At the end of 2008, the total amount of credit card debt in the U.S. topped $972 billion. On average, each American household carried about $8,000 in credit card debt.

In this video, Florida Attorney, Sergio Cabanas discusses Mediation which is one of the most important topics pertaining to the Divorce process. He has outlined this topic in a brief 60- second overview to provide you with important information in a concise fashion.

***Please note that the information in this video is not an adequate substitute for a consultation with an attorney who is knowledgeable in this subject area and could review the specifics of your individual matter and determine how the law would apply in your particular case.***

Visit Our Website at
https://www.cabanaslawfirm.com/

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Check out our other videos –

1) Divorce-https://www.youtube.com/watch?v=Ixjc5N2WuKE&list=PLp99vogRa83i1B1ERIcpKr1gvWqt3cYNy

2) Estate planning- https://www.youtube.com/watch?v=YDeVYi_8wEo&list=PLp99vogRa83hN12e8P3g3viNajJSA4_w_

The Cabanas Law Firm focuses on divorce and separation, estate planning, probate litigation and asset protection. Our firm has a unique mix of attorneys and accountants, bringing a great deal of firepower in analyzing our clients’ legal and financial situations.

We have Florida law offices located at:

Broward:
18503 Pines Boulevard, Suite 301, Pembroke Pines, FL 33029
and
2893 Executive Park Drive, Suite 125, Weston, FL 33331

Miami-Dade:
323 Sunny Isles Boulevard, Suite 728, Sunny Isles Beach, FL 33160 (by appt.)

Sergio Cabanas, Esq. has been practicing law since graduating from Washington College of Law in Washington D.C. in 1991 and is admitted to practice in the State of Florida and the U.S. Court for the Southern District of Florida and the U.S. Bankruptcy Court since 1992.

If you are looking for a law firm that’s all about you, you’ve come to the right place! At Cabanas Law Firm, we know how important it is to find the right lawyer. You want reliable, effective, experienced legal professionals you can trust, who are committed to achieving the best possible results for you. Your decision to choose our law firm would be a great honor and responsibility we would take very seriously, every day. We have built our reputation, not on fancy marketing schemes or catchy radio jingles but rather from a long list of client referrals and faithful returning clients who seek personal legal services.

CONTACT Cabanas Law Firm in Pembroke Pines and Sunny Isles Beach, FL, if you have a legal concern and we can provide you with effective legal services to achieve the best results possible.

Service Areas:

Broward County:

Pembroke Pines • Weston • Miramar • Cooper City • Hollywood • Davie • Southwest Ranches

Miami-Dade County:

Sunny Isles Beach • Aventura • Golden Beach • North Beach • North Bay Village • Dania Beach • Hallandale Beach • Bal Harbour • Bay Harbor Islands • Indian Creek • Surfside

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LinkedIn: https://www.linkedin.com/in/sergio-cabanas-00020924

#60secondswithsergio #estateplanning #divorce

Find out how the debt review process works and how it can help you to reach financial freedom!

Contact us for more information.

www.anncordebthelp.co.za
Tel: 012 942 9430
Cell: 082 406 3044
Email: info@anncordebthelp.co.za

I take the time to explain the two concepts and what I believe to be the better option between the two.

Everyone’s situation is different and your decision about how to deal with your debt should be made only by yourself. So please note that this is not financial advise, just financial information.

As the name suggests, credit counseling services help you manage your debts through effective budgeting and financial planning. Evidently, these services help individuals improve or maintain their credit scores by avoiding defaulting on loans.

If you need financial debt help in Alberta, credit counseling services can come to your rescue, helping you pay off your debts within the specified tenure. Here are a few benefits of credit counseling services, which can help you maintain your credit score.

Have Debt in 2023? Here’s what you MUST know..
Free Credit Repair Strategy Session — https://greatcreditfast.com/schedule-your-consultation/
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Are you someone who wants to invest in real estate, get approved for a 0% interest balance transfer or wants to position yourself so that you can get approved for financing? Good credit is required, if you need help fixing your credit, schedule a free call with us today!

Are you a business owner that works in a career where your clients / customers need to pass a credit check to close the deal? Partner with us and we’ll fix their credit and pay you for sending us the customer and once we are finished, we’ll send them back to you to close the deal: https://greatcreditfast.com/affiliate/

Are you someone with a net worth above $500,000 or more and concerned with having all of your money in one country, jurisdiction or currency and want to diversify your wealth? I suggest using the same tools that billionaires, millionaires, athletes and politicians use; its an offshore asset protection trust. I have established one my family. If you’d like to use our resources and our licensed legal team, schedule a call: https://wealthdefenselawyers.com

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“Budget process starts out idealistic and it ends up devolving into a turf war between members over over who can control what, and the whole system falls apart,” says Brian Riedl.

Watch the full episode of The Reason Interview with Nick Gillespie featuring Brian Riedl here: https://youtu.be/gYhBYN7DMBA

Subscribe to The Reason Interview with Nick Gillespie
Youtube: https://www.youtube.com/playlist?list=PLBuns9Evn1w80Ihhdg5zfg657b94x5QUf
Spotify: https://open.spotify.com/show/69l53aQZ3VjbESh7tqHM4j?si=7660e422addc4035
Apple: https://podcasts.apple.com/us/podcast/the-reason-interview-with-nick-gillespie/id1485021241

http://www.nomoredebts.org/1-considering-bankruptcy.html
What you should consider before filing for bankruptcy. It is expensive, you may not qualify and there are other options. Call us today. 1-888-527-8999 | More info: http://www.nomoredebts.org/blog/bankruptcy/how-to-decide-if-bankruptcy-is-your-best-option-to-debt-problems.html

Spontaneous pre-mediation case on Darryl Osawa vs. Sarah Kawailima.

Outstanding job by Gayle Nathan and Edward Miley along with Judge Vincent Ochoa.

These parents negotiated like adults and put the best interest of the children first with attorneys that put children over profit and revenge.