Are debt collectors calling you and your family members constantly? Are you curious if credit counselling can keep collections off your back? The answer honestly depends on three factors. Jeff Schwartz our Executive Director breaks it down.

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A debt consolidation loan is a loan used to combine existing debts into a single loan with one monthly payment. Ronita Choudhuri-Wade explains how they work and what to know to help you can decide if a debt consolidation loan is the right decision for you.

Suggested Articles:
What Is Debt Consolidation, and Should I Consolidate?: https://www.nerdwallet.com/article/finance/consolidate-debt
What Is a Debt Consolidation Loan?:https://www.nerdwallet.com/article/loans/personal-loans/debt-consolidation-loan

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Do you have money worries related to #gambling?

95% of people felt more in control of their finances after working with Gambler’s Help.*

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StepChange Debt Charity explains how debt advice can help you deal with debt and money worries. Free advice charities can help you work out a budget and look at ways to reduce your spending and increase your income. You will also be recommended a range of suitable debt solutions, and find out how they work.

Find out more about getting debt advice: https://www.stepchange.org/debt-advice

If you’re struggling with your finances don’t wait to ask for help. Use our free online debt advice tool today and take the first step towards changing your situation. http://www.stepchange.org/start

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We provide the UK’s most comprehensive debt advice service. Since 1993, we’ve helped 7.5 million people with debt problems take back control of their money and their lives.

American Consumer Credit Counseling, Inc is a nonprofit credit counseling agency that helps consumers pay off their debt through a debt management program. To learn more, visit https://www.consumercredit.com or call 866-206-5450.

Aren’t debt consolidation loans and debt relief programs basically the same? No. And here’s why. Plus find out why debt consolidation can help your credit score and why waiting until you’re behind on all your bills is a mistake.

#financialeducation #debtconsolidation #debtrelief

How Credit Counselling Can Help You Get Out of Debt?

Debt Relief Specialists: https://thenpn.com/at/69620

Often, people who seek out credit counseling are in over their heads with debt. However, they needn’t be unable to make their payments. Early intervention can help them rectify any mistakes they’ve made. The counselor will assess your finances without judging you. A credit counselor is trained to create a safe environment where you can be completely honest about your financial situation. During your meeting with the credit counselor, you can discuss your debt situation and ask any questions that you may have.

During your first meeting, your credit counselor will review your finances and make recommendations. Then, they’ll explain each recommendation and why it may be the best option for your circumstances. After that, you can ask as many questions as you want. This process can help you get control of your finances and get back on the road to financial freedom. In addition to reviewing your finances, your counselor will teach you the basic concepts of sound money management, which will help you prevent yourself from getting into debt in the future.

Once you’ve decided to seek credit counseling, you will need to decide which option is right for you. While some people are reluctant to accept the advice of a counselor, many people find it helpful. The first step towards a debt-free life is to ask for higher spending limits on your credit cards. You should also avoid consolidating debt and adding to your existing debt. After a successful consultation, you will be on your way to becoming a debt-free person.

Once you’ve decided on credit counseling, you’ll be given strategies to keep on track of your expenses. The counselor will teach you how to set a budget and stick to it. A credit counselor can also teach you strategies for paying off your debts. For example, you can use the snowball method, in which you prioritize the smallest debts first and work your way up to the largest. If you can’t keep up with your payments, you may want to consolidate and extend your debt.

In the end, credit counseling can help you understand your options and get out of debt. Once you’ve sorted out your finances, a credit counselor can recommend the most effective solution for you. Understanding your current financial situation is essential to decide which type of debt relief will be best for you. You need to be aware of the signs that you’ve mismanaged your money and that you need help. If you can’t meet your payments on time, then credit counseling is the best option for you.

There are many ways to pay off debt. However, if you can’t pay off your debt, a credit counselor can help you come up with a plan to pay off your debts. In addition to negotiating with your creditors, the counselor will negotiate on your behalf with lenders to reduce interest rates and other fees. In addition to working on your budget, a credit counselor can help you find the best debt relief options for your specific situation.

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If you are having trouble handling all of your debt from a variety of sources, a consolidation loan will help. You’ll be able to consolidate your debt from your 5+ credit cards into one loan at a smaller rate, with a payment schedule of 3-7 years. This will save you a lot of money in interest, and will help get you back on track in paying off your debt for good.

6 ways to level up your financial plan:
Personal Finance for Canadians for Dummies: https://amzn.to/308jzic
Free Credit Report with Borrowell: https://borrowell.com/free-credit-score?utm_source=refer2020-1886159
Open an EQ Bank Account: https://join.eqbank.ca?code=ADAM8851
Financial Calculator I use: https://amzn.to/3qiFf6m
Financial Masterclass for Canadians: https://www.parallelwealth.com/masterclass
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If you have any further questions about this video’s topic or any financial planning questions in general, I encourage you to?find a certified financial planner?in your area or?book a consultation with us to get your savings plan on track.? You can learn more about our services at https://www.parallelwealth.com/planning or email Info@Parallelwealth.com

—————————————–
DISCLAIMER: The videos and opinions on this channel are for informational and educational purposes only and do not constitute investment advice. Adam Bornn is not registered to provide investment advice and as such does not provide recommendations – those looking for investment advice should seek out a registered professional. Adam is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Debt Counselling can consolidate your debt into one easy payment and clear your credit record. For a free assessment, contact us today!