U.S. credit card debt hit a record $930 billion, with younger Americans having the highest delinquency rate. Editor-in-Chief at Investopedia, Caleb Silver, explains why credit debt is at an all-time high and breaks down tips on how to pay off your debt.

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#CreditCards #PersonalFinance #Debt

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The second episode of HAR Community Conversations will feature Thomas Torello of the Phenix Group will discuss advanced credit repair solutions that will help turn anyone into a strong buyer! Click the “Going” or “Interested” button to be notified when it’s starting.

How Much Money Does a Credit Counselor Make?. Part of the series: Career Salary Information. The money made by a credit counselor averages around $45,000 a year and requires an educational background in accounting, business, economics and math. Help individuals and businesses manage debt as a credit counselor using insight from a guidance counselor in this free video on career information.

Welcome to Settlement on Loan! Your go-to channel for everything related to personal finance, loans, debt management, and financial freedom. Join us as we explore smart strategies to settle loans and build a secure financial future.

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Before you can file for Chapter 7 or Chapter 13 bankruptcy, you must complete credit counseling. In this video Bucks County Pennsylvania attorney John Benson discusses why you first need credit counseling before you can file.

Joel Grise of K3C Credit Counselling has advice for people looking for trustworthy credit counsellors.

You should choose a local, trusted and accredited credit counselling partner to help you find debt relief. At Credit Counselling Services of Atlantic Canada, we will work with you to find a solution that works.

Visit us at www.solveyourdebts.com

The law forbidding creditors from collecting on prescribed debts which falls under the National Credit Act 34 of 2005 (NCA) is well known.

The aim of this law is to safeguard consumers against unfair and exploitative practices by creditors and has been in effect for a number of years.

Despite the legal requirements and the guaranteed protection they offer consumers, Reana Steyn, the Ombudsman for Banking Services (OBS) warned that the OBS is still receiving, investigating and resolving complaints from bank customer’s relating to prescribed debts.

In some cases, banks have been found guilty of engaging in this illegal practice. This may sound all complicated, but the Ombudsman for Banking Services Reana Steyn is here to simplify it for all of us.

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Debt consolidation is the process of taking multiple outstanding debts and combining them into a single debt, hopefully with a lower payment. Debt consolidation could be a way to get a handle on debt, but there are other ways too.

Here are four things to think about when you’re considering debt consolidation:

1. Before getting a loan or opening a card, consider reaching out to your creditors to see if they can work something out with you.

2. It might be helpful to talk to a certified financial planner or a certified credit counselor about your situation. An objective third party can help you figure out what makes the most sense for you.

3. Four common ways to consolidate debt include: a balance transfer credit card, a personal loan, a home equity loan and a home equity line of credit.

4. When you’re thinking about your options, consider interest rates, fees and whether you’re comfortable putting up your home as collateral (in the case of a home equity line of credit or home equity loan).
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