Filling in my debt trackers and listing the 8 payments I made towards my student loans while enjoying a hot bowl of soup.

My Debt Consolidation Loan is Hurting My Cash Flow!
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The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

NESARA / GESARA: Debt Economy | Debt Forgiveness | National Debt & Fiat Currency

One of the most frequent questions about NESARA is about Debt Forgiveness. Which ones will be paid off? Why will they be paid off? How will they be paid off? The Debt Economy can be very complicated, and the process of who gets Debt Forgiveness is not fair. Who is paying for the payoff? What about the national debt? There are also different Types of Debt: business to business, business to personal, and we will go over all those types of debt and more in this week’s video about Debt Economy, Debt Forgiveness, and we’ll even talk about Fiat Money/Fiat Currency.

Executive Order 13818

You can find the 6 part video series on NESARA and Revelations of the Red Pill and my other books on Amazon and the Dr. Scott Young bookstore.
drscottyoung.com/store

#NESARA #GESARA #DebtEconomy #DebtForgivess #NationalDebt #FiatMoney #FiatCurrency #DrScottYoung #DoctorScottYoung

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Capital Wealth Planning’s Kevin Simpson and Aureus Asset Management’s Karen Firestone join Brian Sullivan and the ‘CNBC Special: Taking Stock’ to discuss how investors can play any Fed outcome. For access to live and exclusive video from CNBC subscribe to CNBC PRO: https://cnb.cx/2NGeIvi

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http://www.debtsage.co.za

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
etc.

Conclusion

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.

As the federal debt reaches record levels, more and more economists are asking if it’s really a problem. Republican strategist Leslie Sanchez and Democratic strategist Lynda Tran join CBSN with more.

What is DEBT CONSOLIDATION? What does DEBT CONSOLIDATION mean? DEBT CONSOLIDATION meaning – DEBT CONSOLIDATION definition – DEBT CONSOLIDATION explanation.

Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license.

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. This commonly refers to a personal finance process of individuals addressing high consumer debt but occasionally refers to a country’s fiscal approach to corporate debt or Government debt. The process can secure a lower overall interest rate to the entire debt load and provide the convenience of servicing only one loan.

Debt generally refers to money owed by one party, the debtor, to a second party, the creditor. It is generally subject to repayments of principal and interest. Interest is the fee charged by the creditor to the debtor, generally calculated as a percentage of the principal sum per year known as an interest rate and generally paid periodically at intervals, such as monthly. Debt can be secured with collateral or unsecured.

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. Household debt is the consumer debt of the adults in the household plus the mortgage, if applicable. In many countries, especially the United States and the United Kingdom, student loans can be a significant portion of debt but are usually regulated differently than other debt. The overall debt can reach the point where a debtor is in danger of bankruptcy, insolvency, or other fiscal emergency. Options available to overburdened debtors include credit counseling and personal bankruptcy.

Other consumer options include:

debt settlement, where an individual’s debt is negotiated to a lesser interest rate or principal with the creditors to lessen the overall burden;

debt relief, where part or whole of an individual debt is forgiven; and

debt consolidation, where the individual is able to acquit the current debts by taking out a new loan.

Sometimes the solution includes some of each of these tactics.

The bulk of the consumer debt, especially that with a high interest, is repaid by a new loan. Most debt consolidation loans are offered from lending institutions and secured as a second mortgage or home equity line of credit. These require the individual to put up a home as collateral and the loan to be less than the equity available.

The overall lower interest rate is an advantage of the debt consolidation loan offers consumers. Lenders have fixed costs to process payments and repayment can spread out over a larger period. However, such consolidation loans have costs: fees, interest, and “points” where one point equals to one percent of the amount borrowed. In some countries, these loans may provide certain tax advantages. Because they are secured, a lender can attempt to seize property if the borrower goes into default.

Personal loans comprise another form of debt consolidation loan. Individuals can issue debtors a personal loan that satisfies the outstanding debt and creates a new one on their own terms. These loans, often unsecured, are based on the personal relationship rather than collateral.

CREDIT COUNSELLING CANADA NON PROFIT

I review a credit counselling Canada site that has been very active in blogging about Canadian insolvency, bankruptcy and consumer proposal issues.
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Credit Counselling Society – Bankruptcy Misconceptions and Options Canada | The Credit Counselling Society – Credit Counselling Society

Here are some of my other favorite youtubers and their videos!
Should I Use Bankruptcy or a Consumer Proposal in Canada?
What not to do before filing bankruptcy
Bankruptcy from Tax Debts
Personal Finance Q&A: How do I know when to declare bankruptcy?
Proven Biblical Money Principles – Dave Ramsey
Proper Use of LLCs for Real Estate
How to Start a Speech
Mark Cuban: How I Became a Billionaire
Should I File Bankruptcy Or Pay Off $80,000 In Debt?
Former CIA Officer Will Teach You How to Spot a Lie l Digiday
Bankruptcy – 3 Secrets to Rebuild Credit the Day After Discharge
Don’t Talk to Cops, Part 1
How We Help – Consumer Credit & Debt Counselling Canada | The Credit Counselling Society
Our Bankruptcy Story. What It Was Like to Go Bankrupt.
BANKRUPTCY IN ONTARIO CANADA SECRETS REVEALED
The Pros and Cons Of Bankruptcy
Consumer Proposals: What’s the Catch?
Bankruptcy in Canada Video 2: Provincial Exemption Limits and Asset Seizures
46% of Canadians on the brink of insolvency as rates rise: Survey
Sample retirement plan for 50 year old getting late start.
Total Debt Freedom
Epstein Epstein
Tax Audit Solutions
CBC News
Seacoast Church
Real Estate Asset Protection
Conor Neill
Bloomberg
The Dave Ramsey Show
Digiday
David Hetti
MP Anon
Credit Counselling Society
CreditDebtLife
Ira Smith
Hoyes Michalos
Hoyes Michalos
moneyandbusiness
BNN Bloomberg
Jazz Wealth Managers

Take a look at Credit Counselling Society stats and you’ll understand why I am a fan.

Video Url: https://www.youtube.com/watch?v=cqWIvnvHOX8
Video Title: Bankruptcy Misconceptions and Options Canada | The Credit Counselling Society
Username: Credit Counselling Society
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We had our first Zoom mediation the other day, and we wanted to share our experience with anyone who may be considering these types of meetings in their case.

Overall, mediation over Zoom went well.

We’re still in the early days of this, so there are some things that we would do differently/better in the future.

We recommend that you use Zoom on your computer, and that you have a back up device for Zoom whether it’s a phone, iPad, tablet, etc.

This is looking like the “new normal” for cases whether we like it or not, but there are some great pros that make this transition easier. Can share documents. Much better than a phone mediation (those often occur in appealed cases).

Thanks for watching!

John G. Watts
Watts & Herring, LLC
Representing consumers across Alabama
205-879-2447
https://www.alabamaconsumer.com/
https://www.alabamaconsumer.com/contact-us/ (to send us a message)

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

Watch or Listen to this recording of to my latest podcast to hear expert views on how debt counselling works, how to choose a good debt counsellor, plus what to do if you are already in debt review and want to get out.

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