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Let’s talk about debt consolidation loans. Specifically, is a personal loan your best option? How to save money by choosing the most affordable personal loan or credit card, how to pre qualify for these loans without even providing your social security number, how to get a loan with bad credit and some more pro-tips that will really help you tackle that debt.

Debt consolidation can be a great option if you are stuck in credit card debt with crazy high interest fees. Typically, when you consolidate your debt you should expect to save a bunch of money on interest, BUT it doesn’t necessarily guarantee a lower payment and I show an example of this in the video.

Credit cards might be a better option than personal loans when considering debt consolidation because even with bad credit because a lot of them offer the option to do balance transfers and waive the balance transfer fee and offer 0% interest for 12-18 months. For more information on balance transfers and some companies to consider, click the video below

Companies Discussed in Video:

Wells Fargo (Risk Free Calculator)
https://www.wellsfargo.com/personal-credit/rate-and-payment-calculator/#Good

Sofi
https://www.sofi.com/personal-loans/credit-card-consolidation-loans/

Avant
https://www.avant.com/

FREEZE YOUR CREDIT:
https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/
https://www.transunion.com/credit-freeze
https://www.equifax.com/personal/credit-report-services/credit-freeze/

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*Please be sure to do your own due diligence before making ANY financial decisions. On my channel I share with you my research but please verify everything for yourself! I do not give investment advice, just share my thoughts any my choices!*

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What you can expect from your budget and debt counseling session with Money Management International.

https://www.g.page/richard-killen-georgetown This video provides a short overview of debt counselling found in Georgetown & Brampton and bordering areas regarding what debt counselling is including your choices to credit and debt counselling in Ontario.

Personal Debt Counselling in Georgetown & Brampton.
Plenty of people today are experiencing difficulty repaying their credit debt, whether it is charge cards or almost any other types of debt.

Are you one of them?

Are you likewise having difficulties getting rid of your personal debts for a few months or perhaps years?

Are you among the list of individuals that disregard the issue or delay and let it build up, or perhaps stubbornly hang on in dread of filing for bankruptcy?

The easiest way to get the most effective option would be getting assistance through a financial debt professional, but not all of them can provide all the alternatives that may be the most beneficial solution for you.

Financial debt counselling is an excellent option to personal bankruptcy, wherein plenty of people who usually do not desire bankruptcy as a remedy to their debt difficulties.

Speaking with a Licensed Insolvency Trustee will guide you through every one of the alternatives which might be appropriate for you personally so that you can make the most suitable choice for your circumstance.

Consulting a trustee doesn’t suggest you are filing for bankruptcy, instead, they’ll review your situation and provide you all of your options to obtain the appropriate choice to your debt issues, such as credit and debt management, a consolidation loan, a consumer proposal and personal bankruptcy.

Richard Killen and Associates have been offering financial debt and credit counselling for over 25 years. We work with a variety of tools to ensure you get out of debt but not only that, we provide basic credit education with regards to budgeting and money management skills that will help you to reach your financial goals.

“This Could Be The Most Stress Relieving Phone call You’ll Ever Make!”

Call +1 647-492-2219

We have offices over the GTA. Visit https://rkillen.ca/debt-counselling-toronto-an-alternative-debt-relief/ for more information.

Richard Killen & Associates Ltd. Georgetown & Brampton
348 Guelph St,
Georgetown, ON L7G 4B5, Canada
Tel: +1 647-492-2219

Brampton & Georgetown Licensed Insolvency Trustees

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Follow our Podcast at https://rkillen.ca/podcasts/

With debt absolutely consuming her life, Nicole turned to Freedom Debt Relief to help relieve her financial stress and find a clear path towards a debt free life.
In this Freedom Debt Relief debt settlement review, you’ll learn how breaking free of the cycle of crippling credit card debt and finding a clear path toward debt freedom helped Nicole become a better mom for her children.
Debt relief client testimonials as well as US debt relief reviews such as this one explain firsthand why Freedom Debt Relief is the best company of its kind in America.

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If you have overwhelming debt, then you know the stress it puts on you and those around you. Speaking with a debt counselor can be like debt therapy.

You didn’t get into debt overnight, and you won’t get out of that way either. But you can trade the sleeplessness nights and anxiety over your debt for the comfort that you are getting help. But like therapy, you need to make the call.

A certified debt counselor from Clearpoint Credit Counseling Solutions can work with you to understand your debt issues, and help work out a plan to get you out of debt. To learn more about their free debt counseling services, please visit the Clearpoint Credit Counseling Solutions website:

http://www.clearpointcreditcounselingsolutions.org/credit-debt/

ClearPoint is one of the largest, most-respected credit counseling agencies in the nation – a 501(c)(3) nonprofit organization whose mission is to promote consumer health through financial education.

Clearpoint Credit Counseling Solutions
8000 Franklin Farms Drive
Richmond, VA 23229
(800) 750-2227

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Ray Dalio, the founder of a successful hedge fund, has popularized the long term debt cycle which says that there we see short term debt cycles laid on top of a long term debt cycle which crashes every 50-100 years.
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Recommended:
Why Financial Education Is More Important Now Than Ever: https://www.youtube.com/watch?v=0cScikkNXqQ&list=PLKsS_EjCEmdp1Ou6YeukY1refAQY251ef

The Economy Is Due For A Debt Crash – Long Term Debt Cycle & Credit Crisis
0:50 – Every 8 to 10 years we see an economic crash from the short term debt cycle and every 50 to 100 years we see a long term debt cycle crash
2:25 – The short term debt cycle lays on top of the long term debt cycle that most people don’t even know about
3:30 – How does credit work to create value out of thin air
4:17 – The more money you spend the more money someone else makes
5:52 – When people make more money they are more credit worthy which expands the economy
7:35 – What happens if the economy slows down and people spend less money
9:15 – What happens when you hit a peak on the long term debt cycle and the central bank can’t stimulate the economy
10:55 – What happens during a long term debt cycle crash and credit disappears during the deleveraging phase
11:50 – What happens when the economy enters a deleveraging phase in the economy
13:45 – When does the Fed start printing more money to fight deflation
14:45 – How to balance the printing of money with loss of credit

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This Video: https://youtu.be/QPfgaMc5lQQ
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Video host: Jaspreet Singh

DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated – but there’s no additional cost to you.

DISCLAIMER CONT’D: I’m just a random guy on YouTube so do your own research! Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but is he is not providing you with legal advice in these videos. This video, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

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if you can’t get a debt consolidation loan, your options are limited to debt settlement, bankruptcy or consumer proposal and credit counselling. Check out the video to learn more about all these options

Debt consolidation home loans: how Aussies are paying less interest & saving // If you’re juggling multiple debts, one way to simplify your finances is to bring all your loans together to make one monthly repayment. Consolidating debt into your home loan can not only make managing your finances easier, if you structure your repayments in the right way, can also help you save money in the long run.

0:45 What are debt consolidation home loans?
1:20 What are the benefits of consolidating debt?
2:07 What should you watch out for?
3:17 How to get approved for a debt consolidation loan
3:35 Can you consolidate debt if you have bad credit?

Choose a time to speak to an expert to discuss your situation and help find a consolidation option that will fit your specific needs: https://www.lendi.com.au/lp/book-appointment/

Join our Facebook group ‘Home Loan Hacks Australia’ to ask any questions about home loans:
https://www.facebook.com/groups/home.loan.hacks.au/

For more information on important home loan topics, check out these videos below:

Impact of credit scores on home loans :
https://www.youtube.com/watch?v=1Lo5Vo6b2cs
How to refinance your home loan:
https://www.youtube.com/watch?v=Vvuz9RJdgtk

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