If you’re thinking about or actually dealing with a debt management or debt settlement company over debts you can’t afford to pay, take a moment to hear what Attorney Eric Olsen has to say. If you’re a #senior, you may not have to pay those old #debts back!

If you’re a senior in #debt, the law protects you in many ways. But you may not know it, and these debt management or debt settlement companies probably won’t inform you of the truth. Take a moment to check out Attorney Eric Olsen, Executive Director of the HELPS Non-profit Law Firm, explaining why seniors may not have to pay back old debts.

Jeff Hoyt is SeniorLiving.org’s Editor-in-Chief.

For why seniors don’t have to worry about old debts, watch https://youtu.be/FDlyud-vG90

To learn how seniors can avoid paying taxes legally, watch https://www.youtube.com/watch?v=xv7Om8SAIAM

To watch Attorney Eric Olsen explain why seniors don’t have to worry about student loans, check out https://www.youtube.com/watch?v=PE4a7oaxc1E

To learn when seniors should consider Bankruptcy, watch https://www.youtube.com/watch?v=Iu0fy8JujGo

Subscribe to SeniorLiving.org on YouTube:
https://www.youtube.com/channel/UCIYQwu7wEpLyijISnF5Z6eA?sub_confirmation=1

For more tips for seniors: https://www.seniorliving.org/

If you’re interested in joining the hundreds of thousands of families who’ve found senior living communities on SeniorLiving.org, read the reviews on our website: https://www.seniorliving.org/housing/

To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org.

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Like to save money? Please watch: “The Best Senior Citizen Discounts”
https://www.youtube.com/watch?v=kvC8qRPKi1w
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What is the difference between debt settlement and debt consolidation? Find out from San Diego debt relief attorney Daniel Gamez. Find out what debt relief option for credit card debt, student loan debt, medical debt, small business debt and second mortgage debt is right for you. A debt settlement strategy does not seek to replace existing debt with a new loan, as with consolidation. Instead, debt settlement is a series of negotiations between your creditors and you (or a credit counselor) to make payments – usually lump-sum payments – for amounts less than you currently owe. Visit http://www.gamezlawfirm.com/debt-settlement/ for a free debt consultation to begin your path to a debt free life!

In lifetimes, we might have entered into soul contracts. Or we take vows of poverty or celibacy, make promises, etc. in our various incarnations. These contracts keep piling up over time and limit the expression of your soul in this lifetime, without you knowing what is going on.

In this guided meditation you will cancel, break remove any contracts that you or your ancestors made, that are outdated and do not serve your spiritual evolution and your life’s mission any more. You will also invite the angels and other divine beings to clear karmic junk and assist you in reaching your highest potential.

Book a Spiritual Consultation with Wolfgang:
http://toolsforascensionbywolfgang.com/serviceswhats-your-problem/

email Wolfgang
mailto:wolfgangarndt8@gmail.com

Give a Love Donation to Wolfgang:
http://www.heartsongs-crystal-wands-crowns.com/should_we_pay_for_spiritual_guidance.html

Wolfgang’s web-site:
http://toolsforascensionbywolfgang.com/

Wolfgang’s Facebook:
https://www.facebook.com/The-Gaya-Eagle-Wolf-Healing-Circle-317181928378161/

For a free Pendulum Charts, Platonic Solid Symbol, Desktop Affirmations visit:
http://toolsforascensionbywolfgang.com/resources/

Wolfgang’s Articles:
http://www.heartsongs-crystal-wands-crowns.com/wolfgang_articles.htm

Wolfgang’s Photo Galleries:
http://www.crownsandwandsbyheartsongs.com/wolfgangs_photo_gallery.html

Meeting Your Star Family
https://www.youtube.com/watch?v=1Bmodbrj7YQ

Alien Abductions and Star Seeds
https://www.youtube.com/watch?v=2DsH9xQSZ9Y

The Benefits of Guided Meditations
https://www.youtube.com/watch?v=VhloR9wmhJY

I Do Not Fit In
https://www.youtube.com/watch?v=Z1J68DZlojE

Meeting Your Ancestors
https://www.youtube.com/watch?v=KTZV8n2AD8k

Cord Cutting for the Broken Hearted
https://www.youtube.com/watch?v=K7bOQ3j9iM0

How to Create a Healing Circle
https://www.youtube.com/watch?v=qkqRYhFLBzE

How Ghosts Affect Our Lives
https://www.youtube.com/watch?v=pu_lDNQ53WQ

How to Ascend Ghosts to Heaven
https://www.youtube.com/watch?v=VyFv-IRTwBI

How to Clear a Room of Negativity
https://www.youtube.com/watch?v=i6Ees0Muea8

Clearing Inquisition Trauma for Lightworkers
https://www.youtube.com/watch?v=zf_GnNy6oGk

Defense Against the Dark Arts
https://www.youtube.com/watch?v=VFuCrIOjZ6Y

White Tantra for Spiritual Lovers
https://www.youtube.com/watch?v=9NKcyl5zqEY

Dealing with Guilt
https://www.youtube.com/watch?v=jx51Tw4WogE

Face Reading Secrets
https://www.youtube.com/watch?v=yL6oE8OklDI

Meeting Your Inner Child
https://www.youtube.com/watch?v=qt567PaNNfc

Meeting Your Inner Shaman
https://www.youtube.com/watch?v=p56Iv_XR-CA

Meeting Your Female High Self
https://www.youtube.com/watch?v=ropJCLhEGtI

Meeting Your Male High Self
https://www.youtube.com/watch?v=ftE_cFFO0cU

High Self Encounters
https://www.youtube.com/watch?v=6w8hJafEZ30

Self Massage and Office Chair Stretching
https://www.youtube.com/watch?v=68vRaAqMCrs

The Love Meditation
https://www.youtube.com/watch?v=g_t83Tvoi2k

Love in under 1 Minute
https://www.youtube.com/watch?v=EktGLdtBFVw

Clearing Trauma from Our Atlantis Incarnations
https://www.youtube.com/watch?v=EW2NIdMN1O0

How to Use an Atlantean Style Crystal Wand
https://www.youtube.com/watch?v=OPF4oFIAMn4

Visiting Atlantis
https://www.youtube.com/watch?v=hqqnEGBgd8M

Dragon Breath or Breath of Fire the Easy Way
https://www.youtube.com/watch?v=RedEAovaieE

The Secret of the Platonic Solids Symbol
https://www.youtube.com/watch?v=Yr1SO8nU8O4

Healing Yourself with Black Tourmaline
https://www.youtube.com/watch?v=DM1FWG61HqM

How to Heal Yourself with Rosequartz
https://www.youtube.com/watch?v=-6z6OGZTFFQ

How to Use a Pendulum
https://www.youtube.com/watch?v=uHE9z1Ay0ao

How to Use a Real Crown
https://www.youtube.com/watch?v=Z4s–8VHvLc

Egyptian and Nature Crowns by Ishani
https://www.youtube.com/watch?v=kRCd_QS_An8

How to Use Gems and Crystals
https://www.youtube.com/watch?v=eeMGjdn20xg

How to Use a Real Magic Wand
https://www.youtube.com/watch?v=wjl8JYDssVk

How to Use a Crystal Wand
https://www.youtube.com/watch?v=spF2Q1OaTEw

Magic Crystal Wands by Ishani
https://www.youtube.com/watch?v=pZ7wlZm6bDA

Hands On Healing Easy and Advanced
https://www.youtube.com/watch?v=dU59alK-Lnw

Lazy Ascension Habits
https://www.youtube.com/watch?v=dLZ6ogWJwXg

The Inner and Outer Guru
https://www.youtube.com/watch?v=cppDjRYRNa8

The Chi Defense
https://www.youtube.com/watch?v=rrrQ1D7GFX4

The Divine Kiss
https://www.youtube.com/watch?v=JIhg1HJPf0M

If your debt is great and you are serious about getting out of debt, debt consolidation may be an option may be an option. But what is it and will it work for me? I answer these questions in this video.

What is Debt Consolidation? Should I do it?
https://ownthelifeofyourdreams.com/financialfreedom
_____

What is Debt Consolidation? Should I do it?
If you are under a mountain of debt there are a ton of terms that are thrown around that offer relief for your woes. Words like bankruptcy, Chapter 11, Chapter 13, debt relief, debt consolidation but you have no idea which one is for you. In this video, I will be discussing debt consolidation. I lay out the pros and cons so you can make an informed decision about if this will work to help you achieve your financial goals.
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#debtconsolidation #isdebtconsolidationgood #payingoffdebt

Credit card consolidation loans come with high fees and rarely make financial sense.

Florida mediator Tye Bourdony of Cfmediationcenter.com discusses debt collections type of cases in small claims court and how they too can be resolved privately between the parties instead of before a Judge. This is not legal advice, so be sure to discuss your specific issue with an attorney.

Published by attorneys and mediators of Olowska & Pierre, Inc. (oplawyers.org) and Instant Mediations, LLC. (InstantMediations.com), this channel covers the exciting world of law, mediation, arbitration, and online practice.

http://www.creditaid.ca/ When it comes to your finances and working through debt – you need someone that you can completely trust. Call Creditaid, your licensed and bonded credit counselling agency.

Americans are currently burdened with about 1.57 trillion dollars of student debt, and that number is climbing rapidly. For many, a lifetime of debt has become the painful reality of life in the United States. Why? What happened to make this country, and this economic system, so addicted to debt?

Why Student Debt Is So Hard to Forgive – Second Thought
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Citations and Further Reading:

Graeber
https://warwick.ac.uk/fac/arts/english/currentstudents/undergraduate/modules/fulllist/special/statesofdamage/syllabus201516/graeber-debt_the_first_5000_years.pdf
https://www.youtube.com/watch?v=CZIINXhGDcs
https://alexdanco.com/2020/05/15/debt-the-first-5000-years/
https://johnathanbi.com/book-notes-summaries/debt
https://longnow.org/ideas/02010/04/22/debt-the-first-five-thousand-years/
https://patternwhichconnects.com/blog/david-graeber-and-the-rewriting-of-monetary-history/

Lazzarato
https://doi.org/10.1177/0038038514539207
http://irep.ntu.ac.uk/id/eprint/30123/1/7885_OShaughnessy.pdf
https://www.theoryculturesociety.org/blog/review-maurizio-lazzarato-governing-by-debt

Others
https://www.youtube.com/watch?v=sDZ7aQ_umhU
https://www.jacobinmag.com/2020/09/cant-pay-wont-pay-debt-abolition
https://www.academia.edu/23770832/Debt_Underemployment_and_Capitalism_The_Rise_of_Twenty_First_Century_Serfdom
https://doi.org/10.1177/016146812112300601 https://www.researchgate.net/publication/301270586_Debt_resistance_Beyond_or_within_capitalism
https://books.google.com/books?id=swxjDwAAQBAJ&printsec=frontcover
https://doi.org/10.1177/2631309X20921567
https://marshallsteinbaum.org/assets/goldrick-rab-and-steinbaum-2020-what-is-the-problem-with-student-debt-jpam-point-.pdf

Higher Ed. & Student Loans
https://www.newyorker.com/news/news-desk/what-biden-cant-do-on-student-debt-and-what-he-wont-do
https://www.youtube.com/watch?v=R58Si78N9i4
https://educationdata.org/student-loan-debt-by-generation
https://educationdata.org/average-cost-of-college-by-year
https://youtu.be/CKbopGWJM40?list=PLnQCwElJCNf9NHOqHicDrb03RX04nNl-h
https://time.com/4276222/free-college/
https://theintercept.com/2021/08/05/student-debt-cancellation-nancy-pelosi/
https://newrepublic.com/article/159233/coronavirus-pandemic-collapse-college-universities
https://www.peoplesworld.org/article/free-college-was-once-the-norm-all-over-america/
https://www.youtube.com/watch?v=t0CyBv18A5k
https://thehill.com/opinion/education/560016-refuting-the-worst-excuses-against-student-debt-cancellation
https://jacobinmag.com/2020/11/cancel-student-loan-debt-biden

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Putin cancels Africa’s debts worth over US$20 billion. Russia has become a key ally to many African countries, and Putin has made significant strides in strengthening the relationship between the two regions. At the “Russia-Africa in a multipolar world” conference, Putin reiterated Russia’s commitment to prioritizing cooperation with African nations. The cancellation of African debts is just one example of the bold steps Russia has taken to build a more productive and mutually beneficial relationship with the continent over the years.
Putin has cancelled more than $20 billion in debt owed by African countries. This debt had been accumulated during the Soviet era. In the past, Russia had attempted to collect these debts, which were mainly a result of Moscow’s previous alliances with African countries that supported its communist ideology. During this time, Russia provided military equipment and technical assistance to countries such as Angola, Algeria, the Democratic Republic of Congo (DRC), Ethiopia, Namibia, Mozambique, Morocco, and South Africa, among others. As a result, many African nations found themselves heavily indebted to Russia, with official documents estimating the total amount at $20 billion.

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