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The Annual Debt Review Awards 2023

The Debt Review Awards 2023 was live streamed on Friday 20th October 2023

Industry Pre Show
11:50am: 10 min Countdown
12 Noon: Welcome
2:15pm: short break (and sponsor info)

Debt Review Awards Show
2:25pm: 5 Min countdown
2:30pm Welcome & Speeches
3:25pm Peer Review Awards
4:10 End of stream

Visit www.debtreviewawards.co.za for more information.
#debtreviewawards2023 (for social media posts)

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Rating agency Moody’s has kept South Africa’s credit rating at a sub-investment grade of Ba2 and maintained a stable outlook. In a statement released last night – Moody’s took a decision not to downgrade the country’s credit due to strong and independent institutions such as the judiciary and the central bank, a robust, deep financial sector and a solid external position.

The rating agency has warned that the move also acknowledges chronic challenges posed by the country’s inequalities which hamper reform progress and fuel social risk, as well as persistent structural constraints on economic growth, and a relatively high and costly debt.

The latest review is seen as more cautious, last month S&P revised South Africa’s ratings outlook from stable to positive citing an improved reform programme and economic growth potential. National Treasury says it notes Moody’s latest decision. It says the government of national unity will pursue structural reforms and ease growth bottlenecks. It is also pursuing policies to achieve rapid, inclusive and sustainable economic growth.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

Debt counseling and debt review is expected to offer people who are over-indebted a way to negotiate a more affordable repayment plan with their creditors. The process of debt counseling is provided for in the National Credit Act (NCA), , and applies to credit agreements entered into before and after that date.
If you are struggling to pay your debts, facing legal action or you are about to have your vehicle and/or property repossessed, you can approach a Help with debt, debt counselor and ask him or her to review your situation.
Alternatively, a credit provider, such as your bank or a retailer, may refer you to a Help with debt, debt counselor if you fail to meet your repayment obligations.
There are no restrictions on who can use Debt counseling and debt review trough Help with debt, – anyone from any income group and who owes any amount of debt can apply for debt counseling. Through Help with debt
Help with debt, Debt counselors are entitled to charge you an upfront fee of R50 plus VAT for an application to have your debt reviewed. A Retainer of R300 will be kept as early cancellation fee. This R300 will be deducted off the Rehabilitation fee payable
Most also charge you substantially more for an initial review of your debts, and Help with debt may offer to review your debts on an ongoing basis, for which they will also charge a fee. But as yet there are no set amounts that Help with debt, debt counselors may or may not charge for initial and ongoing reviews.
The National Credit Regulator (NCR) plans to help lower-income earners by paying their Help with debt, debt counselors’ fees.
Before determining whether or not to accept your application to review your debt, a Help with debt, debt counselor must consider your debts and financial obligations to determine whether you are over-indebted. The NCA describes over-indebtedness as a situation in which you are or will be unable to meet all your debt obligations timorously.
A Help with debt, debt counselor will investigate your existing income and your income-earning prospects, and all your current financial obligations.
Once a Help with debt, debt counselor has accepted your application, he or she will inform all your creditors and every registered credit bureau that you have applied for debt counseling. You will not be able to access any further credit until your debts have been repaid. You will even have to cut up your credit and store cards.
The Help with debt, debt counselor will then consider your debts and financial obligations to determine what you can afford to repay each month, and will enter into negotiations with your creditors to restructure your debt.
If your creditors agree to the repayment proposal put forward by the Help with debt, debt counselor, the counselor will apply to the National Consumer Tribunal for a consent order for the repayment plan.
If your all creditors do not agree to the plan, the Help with debt, debt counselor will take the plan to a magistrate’s court, and the court will have to decide what is a fair repayment plan. In this case you could face further charges for the cost of hiring lawyers to represent your case in court.
Reckless lending
If a Help with debt, debt counselor suspects that you were given credit recklessly because you could not afford it, he or she can ask a court to decide if this was indeed the case and if so to suspend the agreement or set it aside.
Once your repayment plan is agreed, you will make payments to a distribution agency registered with the NCR and it will distribute what you pay to your creditors. The agency will be paid by way of a fee from the creditors.

https://tinyurl.com/repairmycreditcard

Learn how to get out of paying credit card debt and avoid credit card lawsuit or summons with a properly written letters to debt collectors and collection attorneys.
WARNING – This content is not intended as a substitute for legal advice. If you need an attorney in your local area contact a licensed attorney in your state.
Are you worried about your credit card debt?
Are you fearful of debt collectors and collection attorneys?
Today I want to convince you of one thing . . . and that is . . .You do not have to pay your credit card debt if you cannot afford to pay it.
You do not have to sacrifice monthly essentials food clothing rent or mortgage healthcare utilities or education for credit card debt you cannot afford to pay. I want to introduce you to the only easily-affordable credit card debt relief program that shows you how to legally avoid paying the credit card debt you cannot afford to pay without filing for bankruptcy.

The key is how you interact with debt collectors and collection attorneys. I want to share with you what pitfalls to avoid with these people. I am going to tell how you can actually enjoy the process of getting out of debt once you know what you are doing with these liars. I am also going to give you some tips you can take away and use immediately.
I learned first hand I did not have to pay credit card debt I could not afford to pay. Instead of experiencing that stomach-churning feeling when a debt collector calls you’ll be asking “Is that the best you can do?” when a debt collector threatens you over the telephone.
Unaffordable credit card debt is a very serious problem. Bankruptcy or a credit card debt court judgement could ruin any of us. We don’t want to see our assets sold to pay an unsecured credit card debt. Nor do we want to be forced into a payment plan for five years. All these possibilities create feelings of fear hopelessness uncertainty and loss of independence.Those feelings in turn make it more difficult for us to help ourselves out of this difficult situation.
Debt collectors and collection attorneys make threats and tell lies to get our money. They are villains.But they are easy to defeat if you know how. There are other less obvious but nevertheless real villains. They are the opportunists selling debt relief scams trying to take our money before they get us any debt relief. They all want a thousand dollars or more for their bankruptcy debt settlement debt consolidation debt management or debt negotiation so-called solutions.Our credit gets ruined and our bank accounts get depleted without any real debt relief. Worst of all they cause us to believe we are not capable of helping ourselves out of this predicament.Only they have the knowledge and expertise it takes to deal with creditors and debt collectors in these “difficult circumstances.” They confuse us with their greedy opportunistic non-solutions to credit card debt relief.
As I have been telling you the best way to get rid of debt collectors and collection attorneys is to first educate ourselves about exactly why debt collectors and collection attorneys have no real power to harm us. When debt collectors see these disputes and demands they give up on US to chase other less well-informed debtors. When collection attorneys see appropriate legal disputes and demands in a letter from us the last thing they want to do is waste their time in court with us.
Remember – this is the only easily-affordable credit card debt relief program that shows you how to legally avoid paying the credit card debt you cannot afford to pay without filing for bankruptcy. Why not get started today and get this debt behind you? What do you have to lose?

http://www.creditcarddebt.consolidate.com

Learn how to get out of paying credit card debt and stop debt collectors harassing you.

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Melissa Starns has brought her ex, Jeremy Scott, to mediation today in hopes of decreasing his allowed time with the children, as well as more support. Both of their salaries are pretty similar and when entering mediation, their visitation is a 4 day/3 day schedule between the two of them. Will they be able to reach an agreement?

In the beginning, paying off debt might seem impossible. Without a plan, it can be hard to know what step to take first.

In this video, I show you what tool I used to start my debt payoff journey.

It helped me decide which method I wanted to use, and it showed me the outcome for my decisions.

Need motivation? See how much interest you can save based on the method you choose, and how long it will take you to pay it all off.

LINKS REFERRED IN THIS VIDEO

Vertex42 Debt Snowball Calculator: https://bit.ly/2mLA5kR

The Budgeting Method That Changed My Life: https://www.thebudgetmom.com/the-budgeting-method-that-changed-my-life/

Join the TBM Family Facebook Community: https://www.facebook.com/groups/TheBudgetMomFamily/

How to Start Using the Cash Envelope Method:
https://www.thebudgetmom.com/how-to-start-using-the-cash-envelope-method/

Don’t forget to subscribe!

ABOUT ME
I’m the blogger behind https://www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I’m passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!

YOU CAN FIND ME AT:
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The Debt Collective was born out of the Occupy Wall Street movement and helps people dispute debts with a goal of cancelling their loans. It currently has over 700 people pledged to never repay their student loans. Watch this video to hear from borrowers who are planning to never repay their loans and to learn what consequences they may face.

Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf

About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.

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Refusing To Pay $80K In Student Loan Debt

Getting out of debt can feel overwhelming. The first step is to organize yourself so that you can plan out exactly how to get yourself to financial stability. Lauren Lyons Cole, a certified financial planner and senior editor at Business Insider, explains the first steps you should take to attack your debt.

Business Insider tells you all you need to know about business, finance, tech, science, retail, and more.
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————————————————–

Following is a transcript of the video:

Lauren Lyons Cole: My name is Lauren Lyons Cole. I’m a certified financial planner and a senior editor here at Business Insider.

I’ve helped a lot of clients get out of debt, and it’s actually a lot of easier than it seems when you’re staring at a pile of credit-card debt or student loans that you just don’t know how to get ahead of.

The first step to take is to get organized. That’s the part that a lot of people are afraid to tackle. So take a Saturday morning, make yourself a really nice brunch, and make a list of all of the different debts that you need to pay off. What I mean by that is, make a list of exactly how much you owe to each different place. So if you have a Visa that you owe $2,000 to, put that first on the list. You also need to know your interest rate, the minimum payment, and the due date for that debt. Keep doing that for all the different things you’re trying to pay off. That way you can prioritize which debts you want to tackle first.

Once you can see a full picture of everything you owe, you can create a plan. But before you create a plan, it’s important to take a step back. There are a few things that you have to be aware of. No. 1, be realistic when you are creating the plan. You don’t want to set yourself up to fail. Paying off debt can take a long time. Two years, three years, even longer. So this isn’t something you’re going to fix overnight. And that’s OK.

The other important thing to be aware of, though, is that this is temporary. We are not talking about forever. So any sort of lifestyle adjustments that you make now to pay off your debt will eventually end. And you absolutely can pay it off. I’ve seen so many people do it.

To tackle your debt, at the bare minimum you have to make all of your minimum payments on time. That’s very important for your credit score. So you can set up automatic payments to make sure those payments will go out on time and in full.  Obviously, you’ll have to pay more than the minimum payment to put a dent in your debt. But exactly how much will vary from person to person, and it could even vary from month to month. A good rule of thumb is to aim to pay double your minimum payment to any of your debts. That might be hard in some cases. So even paying $20 or $50 more can speed up the process of getting out of debt.

I’ve had luck with clients who have paid the debt that had the highest interest rate first. Some people would recommend paying the smallest debt first. So if that works better for you, great. The point is to gain momentum so that you begin to see your debt balance decrease. It might take a little trial and error to see which one works best for you.

The hardest part about paying down debt is that it really does require a lifestyle change. Again, it’s just temporary, but you’ll have to cut back on certain areas of your spending if you are going to free up money in your budget to put toward paying down your debt.

Once you have a plan in place, it’s important to stick to it. But if extra cash pops into your bank account from a tax refund or a really generous gift, there’s nothing wrong with putting that toward the debt as well to fast-forward the process.

Paying down debt is a temporary goal and one that is very achievable. All it takes is getting your plan in place, sticking to it, and watching it happen.

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Read more: http://www.businessinsider.com/

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Business Insider is the fastest growing business news site in the US. Our mission: to tell you all you need to know about the big world around you. The BI Video team focuses on technology, strategy and science with an emphasis on unique storytelling and data that appeals to the next generation of leaders – the digital generation.

Rob thinks that Sharon’s volunteer dog rescue operation only costs them about $100 a month. Sharon thinks Rob’s brother only pays $150 a month in rent. The real numbers are just two of the secrets this couple keeps when it comes to finances. Now, they’re facing more than $70,000 in consumer debt alone – and the stress is almost too much to handle. To come clean and fix the mess they’ve made, Sharon and Rob will have to communicate honestly. But can their relationship handle the truth?