What’s the best way to pay off credit card debt if you’re among the millions of Americans who are buckling under the weight of mounting bills and delinquencies? FULL STORY: https://abc7chicago.com/best-way-to-pay-off-credit-card-debt-balance-transfer-cards-consolidation-relief/14326808/

A new report from NerdWallet revealed that one-third of Americans believe they will be in credit card debt indefinitely. NerdWallet Credit Card Expert and Writer Sara Rathner joins Yahoo Finance Live to discuss the steady rise in household debt.
Rathner notes that credit card balances have climbed 16% over the past year while interest rates have spiked an average of 22%. “Incomes are just not keeping up with the cost of goods,” she says, with the cost of consumer goods up 20% even as incomes rose only 12%. This widening gap leaves many Americans vulnerable to accumulating credit card debt they cannot easily pay off.
“A lot of times credit card debt is imagined as the result of frivolous spending,” Rathner tells Yahoo Finance, continuing: “but, we’ve actually found that many Americans take on debt just trying to afford the necessities.”
#youtube #creditcard #stockmarket
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Hello and Happy New Year!! 2023 was a YEAR, a year full of debt. Thank you for joining me as I confess my wayward spending and try to find a way to financial stability and freedom in 2024. I will be reviewing my spending from 2023 today. Some of it was pure ridiculousness!! #debtconfession #debtfreejourney #2024

???? Choose either option to transform your equity for home improvement, debt consolidation, new properties, major expenses, investments, emergencies, or education.

Want to see if you qualify? Let’s chat! ????????

There are pros and cons of credit counseling vs debt settlement. Take our free credit counseling vs debt settlement: https://tryascend.com/blog/debt-management-vs-debt-settlement/ to help you make the most informed decision.

Also, please feel free to call Ben or me directly at 833-272-3631 and we would love to answer any questions you may have.

For example, credit counseling can be more expensive than debt settlement, but it may preserve your credit score better than debt settlement.

See the chapters below that we will cover in this video.

Chapters:
0:00 Intro
0:25 What is Debt Management and Debt Settlement?
1:30 Debt Management Process
2:30 Debt Settlement Process
3:31 What May Be Best For You?
4:07 Conclusion

#creditcounseling #debtmanagement #debtsetlement #debtsettlementvsdebtmanagement

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? https://youtu.be/3sUG9x7DKBI?si=h2LS2IZaZldgiaIH

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00:00 – VB vs Snowball
00:48 – Case Study: Lydia
01:24 – Debt Snowball Numbers
02:00 – Velocity Banking Numbers
03:13 – Month Breakdown
04:19 – How to increase your credit score
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In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
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Broadcast on January 5, 2024

#davidpakmanshow #economy #creditcarddebt

Arbitration And Mediation: What’s The Difference? #shorts #bankruptcy #arbitration #mediation

????????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now
???? Call John at (480) 907-3388 to schedule a FREE consultation.

MORE ABOUT JOHN SKIBA
John Skiba is a bankruptcy & consumer protection attorney in the state of Arizona.

John helps clients with chapter 7 bankruptcy & chapter 13 bankruptcy for Arizona residents.

???????????????????? ARIZONA RESIDENTS ONLY: If you live in the state of Arizona and need help with a junk debt buyer lawsuit or need to file bankruptcy I can help you directly.

???????? Talk to John now! https://go.consumerwarrior.com/call-now

????????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now

John offers informational products and strategies for consumers facing serious debt problems – particularly those being sued by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and many more.

??? Forms, Templates and Video Tutorials can be found at ???????????????????????? http://consumer-warrior-project.thinkific.com/

April had an amazing 2023 even though she had some major pitfalls, this video is her review and debt confession.

Don’t forget to get your free “No Spend” tracker for January by following the link:
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