This is another explainer video about the things that you need to know about the Debt counselling/review process.
Contact us for more information and if you have any questions that you may need answered.

Drop us an email: info@debtridsolutions.co.za
Visit our website: www.debtridsolutions.co.za

Debt consolidation and debt settlement are two common debt management strategies that can lower the amount of interest you owe and help you pay off debt faster and more simply. Lending Nerd, Kate Wood, helps you understand both and gives you important questions to ask yourself to choose the best strategy for you on your debt management journey.

Suggested Resources:
Compare Debt Consolidation Lenders: https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans
What is Debt Consolidation and Should I Consolidate? https://www.nerdwallet.com/article/loans/personal-loans/what-is-debt-consolidation
What is Debt Settlement and How Does it Work?
https://www.nerdwallet.com/article/loans/personal-loans/how-does-debt-settlement-work
Debt Consolidation vs. Debt Settlement: Which is Better?
https://www.nerdwallet.com/article/loans/personal-loans/debt-consolidation-debt-settlement

Chapters:
#NerdWallet #PersonalFinance #DebtManagement
Subscribe to NerdWallet – https://bit.ly/3wGvVf3

About NerdWallet:
We’re NerdWallet. And we’re not your typical finance company. We believe that everyone should be able to make financial decisions with confidence. We’ve built a team of Nerds with the knowledge, passion, and skills to make that happen. Thanks to our Nerdy experts, see side-by-side comparisons and objective reviews of the best credit cards, bank accounts, and so much more — so you can get even more financial clarity. It’s the smartest decision for all your financial decisions.

Disclaimer: This video is for informational and educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities. Any comments posted under NerdWallet’s official account videos are not reviewed or endorsed by NerdWallet or representatives of financial institutions affiliated with the reviewed products unless explicitly stated otherwise. Avoid disclosing personal or sensitive information such as bank accounts or phone numbers. NerdWallet employees do not offer personalized financial advice and will not respond to posts here.

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Balance Transfer Card vs Personal Loan: Which Is Best for You? | NerdWallet
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Credit Counselling and Your Finances
Are you struggling to make the minimum payments on your credit cards? Is debt causing you stress and anxiety? If you feel like your credit card debt will never end or want to better manage your money, Credit Counselling can help put an end to your stress and financial burdens.

Here at Blanchard & Company Ltd., we believe that everyone deserves financial freedom because debt does not define you.

Talk to Brian: 403-348-5880
Write us: brian@repairdebt.ca

April had an amazing 2023 even though she had some major pitfalls, this video is her review and debt confession.

Don’t forget to get your free “No Spend” tracker for January by following the link:
https://www.facebook.com/groups/thebudgetingsisters/permalink/734661838174699

Have any questions or want to talk about your situation? Let’s chat!
????Text or call 503-799-3711 ????
???? juleef@rate.com ????
Schedule a call: https://calendly.com/juleef/let-s-say-hi
To apply: https://rate.com/juleef
Lending wherever you want to call “home” ?????? — in all 50 states.

In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
www.nmlsconsumeraccess.org
www.rate.com/licensing
www.rate.com/privacy

Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
State Licenses:
AK – AK120831, AL – 73482, AR – 117882, AZ – 1002329, CA – CA-DBO120831, CO – 100514850, CT – LO-120831, DC – MLO120831, DE – MLO – 120831, FL – LO66603, GA – 67474, HI – HI-120831, IA – 34589, ID – MLO-2080120831, IL – 031.0056868, IN – 42483, KS – LO.0039957, KY – MC713848, LA – Licensed, MA – MLO120831, MD – 120831, ME – Licensed, MI – 120831, MN – MN-MLO-120831, MO – MO-120831, MS – 120831, MT – 120831, NC – I-187748, ND – NDMLO120831, NE – Licensed, NH – Licensed, NJ – Licensed, NM – Licensed, NV – 65660, NY – Licensed, OH – MLO-OH.120831, OK – MLO21956, OR – Licensed, PA – 74700, RI – Licensed, SC – MLO – 120831, SD – MLO.09183, TN – 203658, TX – Licensed, UT – 12003187, VA – MLO-41738VA, VT – VT120831, WA – MLO-120831, WI – 120831, WV – LO-120831, WY – 8673

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Content found in these videos is public information. However, all information including text, photographs, etc. is copyrighted and is protected by United States and international copyright laws. These videos may not be used, reproduced, or distributed for commercial purposes without prior written consent from Julee Felsman and Guaranteed Rate.

The National Consumer Commission says it has received a number of complaints from consumers who have been placed under debt review without their consent.

The National Consumer Regulator has called on consumers to do their homework before agreeing to undertake a debt review to ensure they know what they are getting themselves into.

Debt counsellors who do not abide by the law run the risk of incurring legal costs to remove consumers from the debt review process.

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

How many people do you know that can say they GOT OUT OF DEBT REVIEW?? Very few,a lot of people are in there struggling to get out and some are still going in without the full comprehension of what they’re getting into. watch this to the end to hear my debt review story and hopefully you’ll learn a thing or 2.

Book me for a consultation copy link and paste on internet browser

https://calendly.com/jorgethecreditexpert/30min?month=2025-04
or text credit to 727-497-7148 I can set it up for you

In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.

?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.

???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.

I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.

???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.

???? Dealers are:

Packing loans with hidden fees and useless add-ons

Overpricing used cars way above value

Fudging income and employment to push approvals through

Exploiting first-time buyers with markups and bait-and-switch tactics

And then influencers blame the buyer for defaulting?! That’s not the whole truth.

???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car

???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.

???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.

???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.

???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.

#creditrepair #credit #automobile #auto #autoloans #luckylopez

If you avoiding your debt orders , speak to Your Debt Friend 0215930600

In this clip from The Defense Never Rests podcast episode 9, Philadelphia mediator Barbara Lyons and Judge Michael Snyder discuss opening statements at mediation. Do you think they are less useful than attorneys think? Let us know what you think in the comments below.

THE DEFENSE NEVER RESTS PODCAST
? Apple Podcast: https://apple.co/2SRVcOT
? Spotify: https://spoti.fi/38pFsJn
? Soundcloud: https://bit.ly/2vy79AV

LETS CONNECT
? LinkedIn: https://bit.ly/2HhY16s
? Instagram: @morganakins_pllc
? Facebook: https://bit.ly/38oOypR

LETS CHAT
? Email: pbaxter@morganakins.com
Schedule a call with me today so we can discuss your goals!

WHAT TO WATCH NEXT
? Defense Attorneys on Plaintiff Likability: https://youtu.be/8e_-o7e15DM
? Defense Team on The Plaintiff’s Attorney: https://youtu.be/AUnXOgsjjeE
? Unexpected Deman Rise from Plaintiff’s Counsel: https://youtu.be/C8cZWYUlR-8

WHEN CLIENTS WORK WITH ME THEY SEE:
?Early case assessments, within 60 days, so that they can see the strengths and weaknesses of their case EARLY!
?Vetted exit strategies within 60 days, that allow them to decide EARLY what the best course of action is for their particular case!
?A deliberate approach to what we spend in litigation because we don’t do everything; we do what generates the most ROI for that particular exit strategy. (Ex. If you want an early mediation, we may not even need to take Plaintiff’s deposition).
?If desired, a legal budget (a real one) within 30 days so that you can see what you are about to spend.
?Internal M&A SOPs that mirror our litigation philosophy, i.e. automated 30 and 60 day reminders upon file opening, weekly reports on reporting deadlines, daily and weekly diary reminders on reporting, exit strategies and discovery deadlines.

ABOUT ME
My name is Patricia Baxter. I am a managing partner helping companies keep their litigation costs under control & close files! I collaborate with insurance companies and self-insured businesses to reach their goals. In addition to my role as an active trial attorney, I also specialize in early and efficient dispute resolution.

My practice is concentrated in 3 main areas: products liability, aviation, and premises liability. With products liability I represent manufacturers and distributors of various powered industrial machinery/equipment; industrial/commercial equipment; medical devices; construction equipment; food service products; cosmetic products; aviation component parts; automotive OEM and aftermarket component parts; elevators; plumbing, electrical and lighting fixtures; and recreational equipment and related component parts. With aviation I represent airlines and aviation vendors, including skycaps, wheelchair handlers, plane cleaners, baggage handlers, Jetway operators, tarmac mechanics and more. With premises liability I represent large commercial landowners and facility management companies with high self-insured retentions.

Thanks for watching!