??DISPUTE LIKE A PRO??
https://my.limitlessculturegroup.com/diykit

Dispute Like a Pro is Metro 2® DIY Credit Repair. Our AI technology will analyze your credit reports and generate 6 rounds of fully-customized dispute letters so you can dispute like a pro.
—

Debt collector calls can be stressful and threatening. However, debt collectors frequently break the law in their attempts to extort money from victims. You’ll be able to identify when a debt collector is crossing the line into illegal territory if you know your rights, and you won’t be frightened by illegal techniques. You could even be able to take advantage of the debt collector’s legal infractions.

Learning some fundamental dos and don’ts for dealing with debt collector calls might also help you relax. More significantly, understanding what to say and do when a debt collector calls might help you avoid making a mistake that puts you in legal or financial danger.

You must first determine whether or not you wish to speak with the collector. If that’s the case, keep track of what you and the collector talk about. If you believe the debt is not yours and you can’t afford to pay it, you should tell the collector. If you opt not to speak with the collector, send the collector a written request to stop communicating with you.

??????? Is a Debt Collector Harassing You? If you think you have a case against a debt collector, schedule an evaluation with Mike’s legal team????
? https://cutt.ly/youtube-schedule-debt-collector-harassment

Here’s what you shouldn’t do, on the other hand. Give no personal financial information to a collector, make no “good faith” payments, make pledges to pay, or accept the debt is valid.

You don’t want to make it easier for the collector to recover your money or do anything that could bring the statute of limitations back into effect. If a debt collector approaches you to collect a past-due obligation, the most important thing you can do is not say or do anything that implies you owe the debt. You may mistakenly restart the restrictions period by admitting the obligation or even making a little payment. Finally, even if debt collectors are frequently nasty and demanding, keep your cool.

??Text LIMITLESS to 877-516-2280 for a credit consultation with Mike ($0.00)

Subscribe to my Youtube channel: youtube.com/c/MiketheCreditRepairGuy?sub_confirmation=1

Follow Mike the Credit Guy:
TikTok: https://tiktok.com/@limitlessculture
Instagram: https://instagram.com/Limitlessculturegroup
Facebook: https://facebook.com/limitlessculturegroup
LinkedIn: https://linkedin.com/company/limitless-culture-group
Twitter: https://twitter.com/LimitlessCultu1
Pinterest: https://pinterest.com/limitless_culture

Find the links to everything I talk about in my videos as well as credit-building products, services, and resources: https://stan.store/Mikethetiktokcreditguy

Featured Credit Cards Offers: https://milevalue.com/top-offers-lc

Credit Building Resources:
Downloadable templates and DIY credit tools: https://cutt.ly/dispute-library
Get your credit reports and FICO® Scores: https://cutt.ly/my-score-iq
Learn to travel 100% for FREE: https://cutt.ly/youtube-travel-free

Credit & Debit Cards for Building and Rebuilding Credit:
Amex Platinum Card: https://cutt.ly/amex-platinum-card-youtube
Extra Debit Card: https://cutt.ly/1O1LGcv
Tomo Card: https://cutt.ly/TO1XWgm
Petal Card: https://cutt.ly/UO1VSNz
Capital One QuicksilverOne Rewards Card: https://cutt.ly/oO1BO3M
Step Teen Credit Builder Card: https://cutt.ly/GO1B1gN
Credit Sesame Card: https://bit.ly/3roHLXK
Destiny Mastercard: https://cutt.ly/mO1NhWU

Other Credit Building Products:
Self Installment Credit Builder: https://cutt.ly/self-credit-builder
Greenlight Banking and Investing for Kids & Teens: https://cutt.ly/greenlight-investing-for-kids-and-teens-youtube

About Limitless Culture and Mike Meza:
Hi, I’m Mike. I established Limitless Culture with a singular objective, to improve creditworthiness and provide credit education for regular, everyday people with fun and engaging content, DIY products, and (for some because not everyone needs it) monthly credit repair services for people with specialty disputing needs. I want to empower working-class people and their families to take control of their credit files confidently.

#debt #collections #credithacks #credit #creditrepair #calls #howto

What is Debt Counselling & How it works?

Debt Counselling is a legal program ?that is aimed at assisting over-indebted South African consumers who are struggling with their debt repayments. This program is regulated by The National Credit Regulator as per The National Credit Act.

Debt Counselling or Debt Review is a legal process that is designed to help over-indebted South Africans regain control of their finances by restructuring their debt according to a legally approved plan.

Who can apply for debt counselling?

South African residents can potentially benefit from this financial lifeline thanks to a piece of legislation called the National Credit Act of 2005 (NCA for short). The NCA created the concept of ‘debt counselling or debt review’ to help people who could not find any other way of coping with substantial money problems. This is called ‘over-indebtedness’ and means a situation in which your debts have become too large – or too many – to tackle without help.

If this is you apply online for a free assessment here.

https://ndrc.org.za/apply-online/

Consumers who are struggling to meet their monthly debt obligations qualify to apply for debt counselling. These consumers should have a distributable income, which will be used to offer reduced payments to their credit providers. Consumers married in community of property must jointly apply for debt counselling.

What does debt counselling involve?

The first step is to acknowledge that you are ‘over indebted’ and that you need this assistance. You apply for the help, and if you are eligible, a debt counsellor is appointed to help you do a full debt review. Your debt counsellor will also handle all discussions with your creditors, who can no longer contact you directly.

Once a practical repayment plan for your debts has been created, your debt counsellor gets a court order to make it all official. While this is happening, you are protected from legal action by any of the organisations you owe money to (called your creditors).

This is for a period of 60 days from your application date. This is your ‘breathing space’ to find a workable resolution, but you must be prepared to follow through on any arrangements that are made.

What are the benefits of debt counselling?

Having the advice and help of a debt counsellor is an excellent way to manage the situation when you’re overburdened by debt. Remember, they also handle discussions with creditors, so they bring their professional insights into the mix.

Your debt counsellor will work with you, and your creditors, to find a way to set up a repayment system that is equitable (balanced) with a realistic amount you can afford to pay each month.

One of the advantages is that you will have enough money each month for normal living expenses such as food and rent, which can be a big relief.

All of your debt repayments will be consolidated into one reduced monthly repayment plan.

Your assets, including your home and car, will be protected from repossession.

You will no longer get calls from your creditors demanding payment.

There is no permanent record of having undergone debt counselling.

There is only one monthly repayment to be made.

Your budget will meet your basic needs first before provision is made for debts.
You will never pay more money than you can reasonably afford.

A debt counsellor will suggest ways of cutting costs and saving money.

Gives you Peace of Mind that your debt is being paid.

Help You Live Comfortably with all living expenses covered.

Help You Reach Your Goal of settling the debt.

It helps you Change your financial spending behaviour.

You do not pay any money upfront.

What are the steps to apply for debt counselling?

Complete our Free Online Debt Assessment Form Here https://ndrc.org.za/apply-online/

It’s free of charge and only takes a few minutes.
Complete our online debt assessment and provide us with the details of your financial situation.
Submit all required documents for the initial assessment. (i.e your ID, Payslip, Bank Statements, Letter of Demands, etc).

We’ll assess and determine.

A Registered Debt Counsellor will determine whether your monthly expenses and debt exceed your monthly income.
A new monthly budget is made which covers all basic needs.

You’ll be placed under Debt Counselling or Debt Review.

You only pay a single, reduced payment, which you can afford!

The Application will be prepared for court and finalised.

How does it affect future lending?

You will not be able to take out new loans or create new debts until you have a Clearance Certificate. This shows that you have met all the conditions and obligations placed on you by the Court or Tribunal order; and that you have satisfied all the conditions outlined in the National Credit Act.

Learn more about debt counselling here
https://ndrc.org.za/what-is-debt-counselling-how-it-works/

If you receive voicemail or robocall from Hartman Mediation Group, watch this video to find whether it’s a scam or legit debt collector call!
Here’s an example of voicemail: “This message is solely intended for calling to inform you that as of today you’re under review regarding a complaint that has been filed against you _?_ in connection with the transaction _?_?_ previously authorized as well as your possible involvement an investigation of depth of goods and services either you or your attorney must contact the filing party today at Hartman mediation group 833-648-0031 failure to respond will result in the entering of a guilty plea on your behalf as well as the suspension of your state drivers license you have been notified thank you…”

National Debt Relief is a BBB Accredited Business based out of New York City, New York. NDR has helped consumers get out of debt for over 9 years. Having helped thousands of consumers and small business owners reduce their unsecured credit card debt and medical bills, NDR seeks to help many more struggling with financial hardships.

After a free debt analysis and review of a consumer’s budget, National Debt Relief offers a proven plan out of debt through debt mediation or debt arbitration normally known as debt settlement or debt negotiation.

This debt reduction plan allows consumers to consolidate their debt, lower their monthly payments and resolve their debts in as little as 24 to 48 months. While your debt reduction results may vary, many consumers who have successfully completed their credit card consolidation plan have saved thousands off their credit card bills.

National Debt Relief offers a strong money back guarantee in case a client is ever dissatisfied with how their program is going.

NDR knows that its plan to resolve outstanding debt is not for everyone. Not everyone will qualify to consolidate their credit card debts. They just want consumers to know about this debt relief plan and compare it to credit counseling, home equity loans, debt management plans and a bankruptcy filing.

National Debt Relief offers a free debt relief options calculator that compares the top ways to get out of debt: https://www.nationaldebtrelief.com/debt-calculator/

Consumers can get started with National Debt Relief with no upfront fee. There are also no fees until you start to see your debts settled for less than what you owe.

Get started by getting your free debt consultation with no obligation and get the information about settling your credit card debts for less than full balance.

National Debt Relief – Resolve Your Credit Card Debt Problems

Credit Counselling Society – The First Phone Call

There are criminals that try to scam people out of money. If you get a call about a debt, this video will help you with what to do.