For a free informational series (called “Seven Steps”) on what to do if the debt collectors sue you, go to https://yourlegallegup.com/pages/sued_for_debt_action_steps. It’s free and informative, and there’s no obligation. Along with the companion article at http://yourlegallegup.com/pages/Mediation, this video helps the pro se defendant prepare for mediation. warns of pitfalls that could cause you to lose your shirt in mediation and shows you how to come out ahead. Explains how the mediation process works, how the mediator will probably run the session and what he or she will say, and even what the debt collector’s lawyer is probably going to say. This video tells you exactly what to expect so you can prepare for some of the pressures you’re going to feel without being surprised by them. Don’t Lose Your Shirt in Mediation! http://youtu.be/fBcs7OrNfOU. Your Legal Leg Up is a website and business designed to help ordinary people defend themselves from debt collectors before or during a lawsuit. Many debt collectors rely on unethical and unfair collections methods that violate the Fair Debt Collection Practices Act (FDCPA), which is the first and best source of debtor rights, among other laws.

What makes everybody have a good chance against a debt collector is simply the way the debt collection business works. Junk debt buyers buy huge “tranches” or “portfolios” of debt — sometimes many millions of dollars of “nominal” debt at a time. “Nominal” debt means that is the amount that is theoretically owed, although the companies selling it, like the companies buying it, “discount” the value of debt depending on how long it has been in default (or based on other risk factors). Debt collectors buy huge amounts of the riskiest debt for pennies on the dollar.

Then they harass and dun the people who supposedly owe the money for a while, and then they file suit, often against dozens or hundreds of people at a time. Because the debt collectors are doing everything in “bulk,” they cannot really spend much time on individual cases. If you fight them, therefore, you have an excellent chance to make them go away — it’s simply too profitable for them to pursue the many who do not fight rather than the few who do.

If you hire a lawyer to fight for you, they are more likely to drop your case faster, but if you fight them intelligently even without a lawyer you will have an excellent chance to win the suit on your own. And this, again, is because every time you file a pleading, a motion, or discovery, or pursue any of your rights or potentials in the lawsuit, and every time you force the debt collector to appear in court, you are costing them money — money they hate to spend on you when there are so many others who won’t fight.

Pam and her husband have a combined $630,000 in student loan debt. She asks Dave where she should start on paying that off.

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Q. I have a bad credit score. Can I get a debt consolidation loan?

A. Your credit score is a reflection of how you handle credit and debt. A bad credit score shows that you haven’t handled your credit accounts responsibly so a new creditor is unlikely to offer you a debt consolidation loan with a low interest rate.

Even though you may not qualify for a debt consolidation loan there is a way you can reduce your debt and save some money in the process.

It’s called debt negotiation also known as debt settlement. You can negotiate with the creditor or debt collector to settle your debt for less than what you owe. Of course, your lender will need to accept the settlement and agree to cancel the remainder of your debt. Most of them will agree to settle since they would get nothing if you decided to file for bankruptcy.

Plus, debt negotiation is not as severe a hit to your credit score as a bankruptcy filing.

If you don’t want to hassle negotiating with your creditors, you can hire a BBB accredited debt negotiation company to do it for you. Visit https://www.nationaldebtrelief.com to learn how to consolidate your credit card debt without bankruptcy.

What is debt counselling? More info here…http://www.debtcounsellinghelp.co.za

Debt counselling is the process that is intended to help restructure the debt obligations of consumers who cannot pay their debts. A consumer will have to involve a debt counsellor who will negotiate the restructuring of a consumer’s debt obligations with his or her credit providers. The purpose of debt counselling is to assist consumers in meeting their debt commitments.

If you need the help of a debt counsellor, simply visit our website and complete contact form online. We will call you back and take you through the process step by step. We will answers all your questions and explain your rights you have while in debt counselling.

This video is prepared by the Magistrates Court Legal Advice Service highlighting ways to avoid going to court by trying mediation.

MCLAS:
https://law.adelaide.edu.au/free-legal-clinics/magistrates-court-legal-advice/

Mediation SA:
http://mediationsa.org.au/

I wish I knew this about Debt Counselling before I applied.
Known as debt review or debt counselling, debt relief measures like debt review offers debt relief to borrowers in South Africa who are over-indebted. To prevent consumers from being blacklisted, the National Credit Act (NCA) introduced this process in 2007.

An income-constrained South African can benefit greatly from the process if they are finding it difficult to make ends meet. Especially for those who cannot keep up with monthly debt payments after falling further into debt. Debt review is safer, cheaper, and more effective than consolidation loans, which tend to be short-term and can end up getting consumers deeper into debt.

Are you having difficulty paying your debts on time and in full? Does it take a lot of effort to pay for your basic needs? Then you need a debt review.

A debt counsellor can help you with the legal process if you are over-indebted. To get help with debt, you need a debt counselor registered with the National Credit Regulator (NCR). Get in touch and I will recommend a few for you.

??TIMESTAMP??
00:00 Introduction
00:50 The reasons people seek Debt Review
01:24 Reckless Lending Explained
01:43 The biggest mistake people make with Debt Review.
01:59 Debt counseling: All you should know before applying
02:41 How Debt Counselors exploit poor consumers
03.15 In what ways do Debt Counselors help?
02:38 Don’t lose your Assets
03:46 Authors experience in Debt Review
05:34 Who is eligible for Debt Review
06:02 What is Debt Review
06:31 Significance of Interest and Budget in Debt Review
06:56 Reasons to apply for Debt Review
07:52 The purpose of Debt Review
09:22 Wrong reasons to join Debt Counselling
10:53 Clearance Certificate
11:55 What should you do after this advice?
12:53 Payment Distribution Agency (PDA)
15:50 Contact Details.

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? About Austin Kalajila
I am a person who is positive about every aspect of life. There are many things I like to do, to see, and to experience. I like to read, I like to write; I like to think, I like to dream; I like to talk, I like to listen. I like to see the sunrise in the morning, I like to see the moonlight at night; I like to feel the music flowing on my face, I like to smell the wind coming from the ocean. I like to look at the clouds in the sky with a blank mind, I like to do thought experiments when I cannot sleep in the middle of the night. I like flowers in spring, rain in summer, leaves in autumn, and snow in winter. I like to sleep early, I like to get up late; I like to be alone, I like to be surrounded by people. I like country’s peace, I like metropolis noise; I like delicious food and comfortable shoes; I like good books and romantic movies. I like the land and nature, I like people. And, I like to laugh.

Channel Link: https://youtu.be/_AJjkoYvBCQ
??It is because of this reason that people are lousy at love.
??LET THEM GO | When life throws lemons at you make lemonade.
??Your Own Thoughts and Feelings determine your mental health.
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You Can’t Get Out Of Debt By Doing THIS!
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The hard work for any debt counsellor really starts when they kick off the process of negotiating with the creditors, says Rudi Bedeker of DCM.

Free Debt Consolidation Calculator: https://tryascend.com/qualify/debt-consolidation-l

Debt consolidation can be a very generic topic that companies potentially use to confuse consumers. There are two forms of debt consolidation that are popular in the United States, but drastically different in terms of pros and cons.

This is why it may be extremely important to understand the differences between debt consolidation before deciding whether it’s your best option to get out of debt.

Here’s what we will cover in today’s debt consolidation video:

Chapters:
0:00 Intro
0:35 Debt Consolidation Loan vs Debt Consolidation Program
1:25 Real-Life Example
2:40 What is Debt Consolidation Program?
3:09 What is a Debt Consolidation Loan?
3:50 3 Questions to Ask
4:50 Conclusion

#debt #debtfreejourney #debtconsolidation

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Women typically earn between 23% and 35% less than men in South Africa for the same job. This is a stark reminder that the gender pay gap is still a huge problem in South Africa. This International Women’s Month, the National Debt Advisors shows that over 50% of women looking for debt help are juggling multiple debt burdens at once to make ends meet. Courtesy #DStv403