Dive into the differing perspectives as Graham Stephen discusses Dave Ramsey’s stance on debt consolidation!

Credit: @TheIcedCoffeeHour @CalebHammer

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#shorts Ever heard of a Debt Consolidation Loan with Navy Federal? They do indeed. Navy Federal offers many loan programs to members. The debt consolidation loan is just one of them. Easy qualification and quick funding as well. As per NFCU, sometimes, funding can be in a day dependent on the applicant’s meeting the requirements including credit profile.
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Debt settlement or bankruptcy – which one truly makes sense in 2025? Many people facing overwhelming debt feel trapped between these two choices, but the real differences go far beyond what most videos share. This updated guide from Ascend Finance dives into the hidden credit score impacts, the risks no one warns you about, and how the wrong choice can delay your financial recovery for years.

You’ll see why some people’s credit scores barely move while others face lasting setbacks. This video uncovers how debt settlement actually works behind the scenes, including the realities of falling behind on payments, potential lawsuits, and what those “no upfront fee” companies don’t explain. It also touches on Chapter 7 vs. Chapter 13 bankruptcy and the surprising scenarios where one option might quietly outshine the other.

If you’ve been wondering whether to negotiate with creditors or start fresh through bankruptcy, this breakdown will make you think twice before committing. The differences in 2025 are more significant than ever – and the path you choose could change your financial future.

Here’s what we cover in today’s video:
0:00 Debt Settlement vs Bankruptcy
0:30 Credit Score Impact Explained
2:45 When Debt Settlement Makes Sense
5:24 How Debt Settlement ACTUALLY Works
7:20 Risks and Lawsuit Potential
8:45 Debt Settlement Company Fees
10:15 Chapter 7 vs Chapter 13 Basics
12:40 Which Option May Be Better for You

At Ascend, we are dedicated to making debt freedom cheaper, easier, and faster.

Music: bensound.com
License code: 0PQPYEPTYPS5ODIQ

My Girlfriend Is Considering a Debt Relief Company
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These companies appear in Canada every few years, usually during a recession. Many of them originate from the U.S.

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Personal finance expert Seth Godwin explains how these companies operate.

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Debt consolidation loans can sound like the perfect solution to clear your debt quickly — one simple monthly payment instead of juggling multiple bills.

But here’s the truth: consolidating your debt won’t solve the underlying problem if you don’t change your spending habits. In some cases, debt consolidation can even leave you worse off by extending your repayment term or adding extra interest over time.

In this video, I’ll break down how debt consolidation loans work, the risks you need to be aware of, and what to consider before taking one out. This isn’t about scaring you, it’s about making sure you have all the information so you don’t end up in a deeper financial hole.

I know how tempting quick fixes can feel when you’re overwhelmed with debt — I’ve been there. But if you take the time to understand your options, you can make the right choice for your financial future.

???? Start your journey here:
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???? Have you ever considered a debt consolidation loan, or do you think it’s too risky? Comment below ????

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Can I Get A Debt Consolidation Loan With Bad

#debt #debtcollector #debtcollection #loan #homeloan

“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”