[Debt] Videos
DOn’t mind where I am looking, I was trying out some mirror thing LOL
Is debt counseling for me?
Debt Counseling is a formal legal process that provides for a consumer to be declared over indebted and for the Debt Counselor to negotiate a restructured payment plan and obtain a court order confirming the new repayment plan. The Debt Counselor must be registered with the National Credit Regulator and have an NCRDC number. The NDMA uses the services of a registered debt counselor.
I Have $70,000 in Credit Card Debt!
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More info and debt help can be found at http://www.debtcounsellinghelp.co.za
Today’s questions:
I have received a Summons, can you help me?
The biggest mistake that most people make is to leave debt counselling to late. As soon as you have received a summons from your creditor we cannot stop repossession. You can however still ask your creditor to stop the repossession.
You will have to negotiate a new repayment plan with your creditor. As soon as we have detail of your new payment plan and your creditor has agreed that you can place the payments under debt counselling we can continue with debt counselling.
The attorney of the creditor will normally send you a Section 129 final warning before the issue of a summons. You will have 10 working days to apply for debt counselling after the issue of this notice. If you don’t apply in this time you will not be able to include this debt under debt counselling.
Do not ignore a Section 129 Notice or summons. It will not go away by itself. We will help you. Doing nothing is the worst thing you can do.
Contact as soon as you can when you get the Section 129 Notice.
What is a debt consolidation mortgage and how could it help you?
A debt consolidation mortgage is more commonly referred to as a cash-out refinance. This is where you pull out some equity in your home to pay off debt.
For example: let’s say your current home is worth $200,000 and you owe $100,000. Also, you have $20,000 in credit cards and other loans you want to consolidate into a lower interest debt.
If you did a cash-out refinance, you could get a check for $20,000 at closing and you would now owe $120,000 on your mortgage. Essentially, the debt gets absorbed into your mortgage.
So, why would you do a debt consolidation mortgage? This type of cash-out refinance helps you turn unsecured, high-interest debt (credit cards, auto loans, etc) and convert it into secured, low-interest debt.
A debt consolidation mortgage is a piece of the puzzle towards becoming debt-free in the future. It’s not a full solution to a debt problem, it’s simply a tool.
The big thing you have to keep in mind with this strategy is that it doesn’t just make the debt dissapear. The debt will still be there. But, instead of the debt being held at high interest (usually 15-25% by AmEx or Visa, etc) it will be help in your mortgage (usually around 3-5%).
But, is it smart to take short term debt and convert it to long term debt? Here’s what I mean… If you have $10,000 worth of debt in credit cards, that debt will get paid off in about 7 years. If you take that $10,000 and wrap it into your mortgage, it will get paid off in 30 years if you don’t intervene.
So, in that case it’s not smart to do that. But, it is smart if you continue making similar payments on debt. But, instead of paying the credit card company, you pay extra into the mortgage.
Again, a debt consolidation mortgage does not make debt disappear. It simply restructures the way you’re paying back debt and can help you avoid the massive interest charged on credit cards and other high interest, risky debt.
Hey, my name is Kyle and I’m a Mortgage Advisor serving Tennessee, Florida, and Ohio. My goal is to help you get a crystal-clear home loan that helps you win the house you love. If you’re ready to create your home-buying plan, you can reach through any of the ways below:
CALL/TEXT: 937-249-0481
EMAIL: kyleseagraves@hey.com
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Debt Sage Can Help You – Debt Counseling & Debt Counseling Services South Africa, Johannesburg, Cape Town
Sands & Associates Licensed Insolvency Trustee Blair Mantin joined BT Vancouver to break down key considerations about debt consolidation that BC consumers should be aware of, and give some tips for debt consolidation success.
This service helps you identify the best solution for your needs: https://www.consolidatedcredit.ca/credit-counselling/
Getting out of debt on your own isn’t easy. There are so many solutions you can use and they deliver very different results depending on your financial situation. What worked for your neighbor may not work for you because you have a different amount of debt, a different credit score, and a different budget. But there’s a free service that can help you identify the best solution for your needs. This video explains how it works.
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As all eyes are on the Senate with the fate of two important measures hanging in the balance, Maryland Congressman Jamie Raskin joins Yasmin Vossoughian to discuss the chances of millions of Americans receiving a $2,000 stimulus check. Aired on 12/29/2020.
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Rep. Raskin: GOP Message About Debt And Deficit Is ‘Tired, Old Rhetoric’ | Stephanie Ruhle | MSNBC
https://www.g.page/richard-killen-toronto This 2-minute video offers a quick overview of debt counselling in Toronto and bordering areas regarding what debt counselling is plus your alternatives to debt counselling in the GTA.
Credit and Debt Counselling in Toronto and the GTA.
Lots of individuals have a hard time repaying their credit debt, whether it’s charge card or almost any additional type of debt.
Are you one of them?
Are you likewise struggling taking care of your debts for several weeks or perhaps quite a few years?
Are you one of the men and women who also ignore the problem or delay and allow it to build up, or maybe stubbornly hang on in dread of filing for bankruptcy?
One way to find the very best option could well be obtaining guidance through a financial debt professional, but not all of them can offer you all the alternatives that may be the most beneficial option for you.
Personal debt counselling is a good alternative to personal bankruptcy, wherein quite a lot of men and women who usually do not desire personal bankruptcy as a solution to their debt troubles.
Talking with a Licensed Insolvency Trustee will direct you through every one of the choices which might be appropriate for you, in order to make the most beneficial choice for your circumstance.
Consulting a trustee doesn’t suggest you are filing for bankruptcy, instead they’ll review your circumstances and give you all your options to find the most suitable choice to your debt problems, such as credit and debt management, a consolidation loan, a consumer proposal and bankruptcy.
Richard Killen and Associates have been offering debt and credit counselling for over 25 years. We utilize a combination of tools to help you get out of debt but not simply that, we provide basic credit education with regards to budgeting and money management skills to help you to reach your financial goals.
“This Could Be The Most Stress Relieving Phone call You’ll Ever Make!”
Call +1 647-699-3916
We have offices over the GTA. Visit https://rkillen.ca/debt-counselling-toronto-an-alternative-debt-relief/ for more information.
Richard Killen & Associates Ltd Toronto on Danforth
2600 Danforth Avenue,
Toronto, ON M4C 1L3, Canada
Tel: +1 647-699-3916
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