The hidden truth about credit counseling ????

If you’ve been searching for the 2025 pros and cons of credit counseling, we’ve got the details that most people never learn ????????

Freedom Debt Relief host Rob Wilson TV breaks down how it really works, the benefits, and its drawbacks—so you can decide if it’s right for you.

???? Ready to find your path out of debt? Visit https://bit.ly/4o5OJwx for a free consultation.

???? Watch the full video for a complete breakdown of credit counseling pros and cons, plus how it compares to other debt relief options. Like, comment, and share if this helped!

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Can I Get A Debt Consolidation Loan With Bad

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Can I get a job while under debt review?

“Before you jump into debt consolidation, let me break it down for you. ????

Most of these so-called debt relief companies will tell you to STOP paying your bills so they can “negotiate” on your behalf. Sounds good, right? WRONG. ?

Here’s the truth:
???? You’ll default on your accounts.
???? Your credit score will take a major hit.
?? You could end up worse than where you started.

A smarter approach? ???? Get a personal installment loan from lenders like SoFi, Lending Club, or Best Egg. This allows you to:
? Pay off your high-interest credit cards.
? Lower your overall interest rate.
? Reduce your credit utilization (which makes up 30% of your score).
? Keep your credit score intact—or even increase it!

Moral of the story? Don’t fall for the “quick fix” traps. Leverage debt the right way and set yourself up for financial freedom.

???? Want more credit and wealth-building strategies? Click the link in my bio and book a free discovery call with one of my wealth advisors today!

#FullTimeCEO #SmartMoneyMoves #DebtFreeJourney #WealthBuilding #CreditScoreTips #FinancialFreedom #EntrepreneurMindset #MoneyMatters #CreditEducation #DebtConsolidation”

Debt relief vs. credit counseling. What’s the difference? Watch Debt Relief 101 – Is Freedom Debt Relief a Good Idea? explained by Rob Wilson TV to find out.

If you’re exploring debt relief options, you’ve probably wondered about whether a debt relief program or credit counseling is better for dealing with debt.

In this video, we compare the benefits of both, and show you how the Freedom Debt Relief program could help you settle your debt for less.

So, is Freedom Debt Relief a good idea? Is a debt relief program a good idea? Or credit counseling? Watch to find out.

#freedomdebtrelief #debtrelief #debt

The Debt Review Awards 2025 will be live-streamed on Friday, 24th October 2025

Join our Industry Pre-show (12am – 2pm) and Debt Review Awards Show (2pm -4:15pm), live from the venue in Ballito, KZN.

For social media, please use: #debtreviewawards2025

October 24th Agenda:

Industry Pre Show
11:50am: 10 min Countdown to Industry Preshow
12 Noon: Welcome
Presentations, Features & Interviews
1:50pm: 10min Countdown to Awards Show Livestream

Debt Review Awards Show
2:00pm: Welcome & Speeches (DTIC and NCT)
2:25pm: Debt Write off & Co Branded Awards
2:50pm: Short break
3pm: Speeches (NCR & PDASA)
3:30pm: Peer Review Awards
4:10pm: End of Show
4:15pm: End of live stream

Visit www.debtreviewawards.co.za for more information.
#debtreviewawards2025 (for social media posts)

Transcript;

Moderator: Mr. Chairman, we have another question online from Craig Caulfield. Seven years on from the Banking Royal Commission, a key recommendation from Commissioner Hayne has not been enacted. A national scheme for farm debt mediation would be a win-win for both banks and farmers, simplifying muddy and complex laws differing between states. Will the Chair and the CEO lobby to undertake to genuinely introduce a national farm debt mediation scheme via the ABA? Do you agree our farmers need to be respected, and form a growth opportunity for Westpac to pick up some turf from NAB and CBA?

Anthony Miller: I certainly agree with you that the agricultural sector, the farming community, is a tremendous opportunity, and we are looking to grow. I think our growth in the loan book in the agricultural sector last year was in the order of 22%, so we are very focused on what we can do there. In terms of that legacy outcome from the Hayne Royal Commission, I will take that on notice. What we’re very focused on is making sure that we partner really well with the farming customers that we have and working with them to make sure that their financing structure is such that it’s sustainable through the cycle and through particular challenges like drought and other that gets in the way.

So, I think we’ve got that right, and I think what you’re seeing in the marketplace in terms of how active and competitive it is in the agricultural sector, that actually it is right and we are getting the balance right as an industry. I will take on notice that question around farm debt mediation and where we are as an industry post the Royal Commission.
Steven Gregg: I think it is important to note that you rightly say it should be done via the ABA, so why don’t we touch base through that forum? Thank you.

Still flagged under Debt Review, even though your financial situation has improved?
It’s time to take the next step — legally and confidently.

At CreditSmart Financial Services, in partnership with our trusted legal experts, we help South Africans like you remove the Debt Review status from your credit profile — the right way.

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Once the court confirms you’re no longer over-indebted, we handle everything — from paperwork to the final update with credit bureaus.

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Take back control. Reclaim your credit future.
Let’s make it official — your name deserves a clean slate.

Looking for debt relief but not sure how it works? You’ve come to the right place! Christian Credit Counselors is a non-profit Credit Counseling and Debt Management organization. For the last 24 years we have helped over 300,000 Americans to get out of debt. Our mission is to help you determine what the right solution is for your specific situation.