This video was a bit challenging because the topic of money and debt is something I was ashamed of for several years. If someone brought up the subject of money I would brush it off and change the subject. Personal finances were just that to me “personal” and I never wanted to talk about them, but I have come to the understanding that being in debt is nothing to be ashamed of and sharing my journey can help someone else.

Press play to hear about my $150,000 plus in debt, how I accumulated it, and what happened when I started to focus in on paying it off.

Don’t forget to subscribe and turn on notifications so you don’t miss any videos. Also leave a comment and share with your family and friends.

#lifecoach #personalfinance #debtconfession #budgeting #personaldevelopment #creditcarddebt #studentloandebt #personalloan #emergencysavings #growth

Under the theme ‘Global Justice and Africa’s G20 Priorities, the International Symposium on Global Justice and Solidarity currently underway in Cape Town aims to deepen reflection and advocacy around global justice, solidarity, and the Church’s role in shaping inclusive economic and social policies. Chairperson of the Southern African Catholic Bishops’ Conference Social Action Department, Bishop Thulani Mbuyisa, joins us for more.

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

Are multiple debts keeping you up at night? ???? Debt consolidation might be the solution you’ve been looking for! In this video, we break down how consolidating your debts into one manageable payment can make your financial life so much easier. ????????

Don’t let high-interest rates and confusing bills drag you down! Learn how debt consolidation can simplify your payments, reduce stress, and help you get back on track. Start your journey toward financial freedom today! ????

Watch till the end to learn more about how to take control of your financial future!

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Dehan Scherman – Compliance Officer, National Debt Advisors SAfm Market Update – Podcasts and live stream (https://www.moneyweb.co.za/category/moneyweb-radio/safm-market-update/)

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?Timestams
00:00 Intro Professional Debt Mediation.
00:16 Before we get started, please give this video, 
00:28 You know, debt disputes can be, 
00:44 Arguing about who should pay for its, 
01:04 Middle ground where a neutral third party, 
01:23 Over seventy percent of mediated debt disputes, 
01:38 Time is of the essence. Mediation is swift,
01:57 Aiming to reduce tensions. Litigation,
02:11 And lets not forget flexibility. Parties have,

Professional Debt Mediation.

Hey there. I see you are curious about Professional Debt Mediation. Well, you have come to the right place. Grab a comfy chair, because we are about to dive deep into this fascinating world.

Before we get started, please give this video a thumbs up, press the subscribe button, and hit the notification bell so you can stay up to date about important alternative dispute resolution topics, which can help you keep costs low.

You know, debt disputes can be daunting. The looming shadow of litigation is often time consuming, not to mention costly and stressful. Enter the hero of our story. Professional Debt Mediation.

Imagine two neighbors with a shared fence. They could spend days, maybe even months, arguing about who should pay for its repair. Or, they could have a chat, understand each others perspectives, and reach a friendly agreement. That chat, my friend, is mediation. But what we are focusing on today is specifically about debt.

Professional Debt Mediation is an alternative dispute resolution process. Think of it as a middle ground where a neutral third party, the mediator, assists two disputing parties in resolving their financial disagreements. The mediators role. Not to decide, but to facilitate a dialogue, guide the conversation, and help find a solution that both parties can live with.

Now, lets sprinkle in some stats, shall we. Did you know that in recent years, over seventy percent of mediated debt disputes reached an agreement outside of court. Yes, seventy percent. Another fun fact. mediation can be up to ten times faster than traditional litigation. I know, its impressive.

So why is mediation so much better than heading straight to court. Well.
Time is of the essence. Mediation is swift, while court cases can drag on for months, if not years.

Your wallet will thank you. Mediation is cost effective. Court proceedings, with all the associated fees and unpredictable outcomes. Not so much.

Say goodbye to stress. Mediation is a calm, structured process, aiming to reduce tensions. Litigation. It can be a roller coaster of emotions.

But wait, there is more. One of the hidden gems of mediation is confidentiality. Unlike public court proceedings, whats discussed in mediation stays in mediation.

And lets not forget flexibility. Parties have the autonomy to craft their own solutions, tailored to their unique needs. Its not a one size fits all resolution. Its a tailored suit, custom made just for you.

Remember, if you find yourself tangled in a debt dispute, consider giving Professional Debt Mediation a shot. Its swift, cost effective, and stress reducing.

If you want to learn more information about mediation, please visit.

arbitrationagreements.org

That is where you can purchase what you need to start the dispute resolution process in the correct fashion to handle issues online.

Also, what do you think about mediation.

Which advantage of it is your favorite.

Drop a comment below and let us know your opinion.

Please do not forget to give this video a thumbs up, subscribe to our channel, and hit the notification bell so you can receive the latest updates about dispute resolution that can help you keep your costs low and spirits high.

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Credit card debt has surpassed $1 trillion, and the average interest rate is over 21%. There are things to help get back on track if you’re dealing with debt.

For more Local News from KPHO: https://www.azfamily.com/
For more YouTube Content: https://www.youtube.com/channel/UCIrgpHvUm1FMtv-C1xwkJtw

Get your Debt Review Clearance Certificate today. Simply complete the below free online application for assessment and one of our professionals will contact you.

https://ndrc.org.za/debt-review-clearance-certificate/

What is a Debt Review Clearance Certificate?

A debt review clearance certificate is also known as Form19 is a certificate that verifies that a consumer has satisfied all obligations under every credit agreement that was subject to a debt review court order or debt review repayment agreement. This certificate is evidence that you are debt-free and you have completed the debt review process.

The issuing of a clearance certificate as per section 71 of The National Credit Act  (NCA 34 of 2005) signals the end of a successful debt review process. The effect is that even if the consumer has a long-term agreement that was subject to debt review such as a mortgage bond, they can obtain a clearance certificate after every other short-term credit agreement under debt review is paid in full.

In terms of the National Credit Act (NCA) 34 of 2005, the debt counsellor and not a court, must issue a clearance certificate.

This debt review clearance certificate can only be issued by a registered debt counsellor only if:

• All the restructured accounts as per the court order or agreement are paid up in full.
• There are no outstanding debt counselling fees.
• Home Loan or your bond under the above agreement may be excluded. In other words, a clearance certificate can be issued if there is an outstanding balance on your home loan account.

What happens after the Credit Bureaus have received your Debt Review Clearance Certificate?

Once the bureaus receive your Clearance Certificate, they will remove the debt counselling flag off your profile. In addition to this they will remove all your default listings and judgements. The only record that will remain is your payment history. According to the Credit Act, your payment history will remain on your record for two years.

How long until I can apply for credit again after getting my Debt Review Clearance Certificate?

Many people think they can get credit straight away after receiving their clearance certificate.

This is not always possible.

In theory, you should be able to apply for credit again within a week of receiving your Clearance Certificate. But we have seen that the credit bureaus take longer than that to clear your record. We would suggest waiting three months before applying for new credit.

After the credit bureaus receive your Clearance Certificate each account in your Payment History should have a “Paid-Up” or “Closed” status. Since your Payment History remains on your credit report for 2 years your credit score will take some time to become good – as time passes your credit score will improve, and by six months it will be in a much better standing (but you don’t have to wait that long to apply for credit).

Pull your credit report about one month after receiving your Clearance Certificate. Check that everything is in order before applying for credit. If you see that the Debt Review listing still reflects on your credit profile contact the credit bureau immediately to rectify the listing.

Also keep in mind that even though your credit score might be good, credit providers might still have a flag indicating your history on their internal systems. They must also remove those records. It always remains the decision of the credit provider whether or not they want to extend credit to you. If they do decline your credit application, you have a right to know exactly why they declined it.

Conclusion

A consumer under debt review can only be issued with a clearance certificate when:

• When they either have paid up all their debts which were listed in the debt review court order or debt review repayment agreement
• When all their short term credit agreements listed in the debt review court order or debt review repayment agreement which is short term agreements may include a vehicle financing agreement have been paid in full and the consumer is only left with a mortgage loan that is not in arrears in terms of the debt review court order or debt review repayment agreement.

Credit providers must issue paid-up letters on the short-term agreements prior to the issuing of a clearance certificate by the debt counsellor to ensure that the debt has been repaid in full.

Once the clearance certificate is issued this must be forwarded to all the credit bureaus together with the paid-up letters. The debt counsellor and credit bureaus have to update their systems to show that the consumer has successfully completed the debt review process.

Contact The National Debt Review Center experts today. We can help to issue a clearance certificate if all your accounts under debt review have been paid up so that you are able to enter into new credit agreements.

This service helps you identify the best solution for your needs: https://www.consolidatedcredit.ca/credit-counselling/

Getting out of debt on your own isn’t easy. There are so many solutions you can use and they deliver very different results depending on your financial situation. What worked for your neighbor may not work for you because you have a different amount of debt, a different credit score, and a different budget. But there’s a free service that can help you identify the best solution for your needs. This video explains how it works.

For more information visit our website:
https://www.consolidatedcredit.ca

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Before you can file for Chapter 7 or Chapter 13 bankruptcy, you must complete credit counseling. In this video Bucks County Pennsylvania attorney John Benson discusses why you first need credit counseling before you can file.

DCM Group Marketing Director Anjela da Silva gives advice on what to look out for so that a consumer can identify a reputable debt counselor