The money made by a credit counselor averages around $45,000 a year and requires an educational background in accounting, business, economics and math. Help individuals and businesses manage debt as a credit counselor using insight from a guidance counselor in this free video on career information.

Expert: Cheri Ashwood
Contact: www.wearehdtv.com
Bio: Cheri Ashwood has a bachelor’s degree in psychology and education, and has been a guidance counselor for nearly a decade.
Filmmaker: Christopher Rokosz

What is credit counselling all about?
On this week’s show we talked with Heather Cudmore, a credit counsellor with Mosaic Counselling and Family Services, a program of Carizon Family and Community Services in Kitchener, Ontario. We had an open and honest conversation about credit counselling, debt management plans, and your options when dealing with debt. Some of the topics we covered:
What exactly does a credit counsellor do?
Who does a credit counsellor work for?
Is it true that they are just a collection agency for the big banks?
What does it cost? What are the fees?
Isn’t a debt settlement better and cheaper? What about other options?

How Does Debt Consolidation Work?

Joining ABN’s Hannah Viviers in studio to discuss creating a better class of consumer is Magauta Mphahlele, CEO of the National Debt Mediation Association.

I’m Aja Dang and here are the 7 things I wish I knew about paying off debt while I was paying off my credit card, car and student loan debts. Just remember, you are so brave for wanting to tackle your debt. I feel like now there is this huge momentum for people in our generation to want to get out of debt – we are stick of feeling broke and tired of watching our paychecks go to someone else. No more! This is an exhausting journey but hopefully these 7 things will remind you that you are not alone in your experience. Here are the lessons I learned about paying off debt.

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From this video you will learn What is Debt Consolidation & how it works, Types of Debt Consolidation, Benefits of Debt Consolidation, Cons of Debt Consolidation, Debt Consolidation for beginners in english.

Debt Consolidation:
The term debt consolidation means taking out a new loan in order to pay off the other loans or liabilities or consumer debts, which are generally unsecured. In this more than one debt or multiple debts are combined into a large single piece of debt , with a favourable term structure which include lower interest rate, lower monthly payment or both or lower tenure.

Types of debt consolidation:
1. Credit card balance transfer
2. Debt Consolidation loan
3. Student loan consolidation
4. Home equity loans and lines of credit
5. Cash – out mortgage refinance

Benefits of debt consolidation:
1. Repay debt early
2. Simplify finances
3. Lower interest rates
4. Have a fixed repayment schedule
5. Boost credit

Cons of Debt consolidation:
1. It doesn’t mean that the debt is gone
2. You may pay a higher rate
3. Lengthened repayment term means that the person pays more in interest even with a lower interest rate
4. Some loans may require to put up a collateral

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Credit Counselling Service of Sautl Ste. Marie.
Manage your debt. Improve your credit. Then enjoy more peace of mind. You can do it with Credit Counselling Service of Sault Ste. Marie. Through our professional counselling services, you can put your finances and bills in order and rid yourself of stress and worry. In fact, no matter what kind of debt problems you face, we can help you develop the skills to get back on track and feel in control of your finances..

Have you been sued for debt? Join our free webinar to learn about bankruptcy as an option, as well as various ways you can fight back in court, win your case, and resolve your debt once and for all.

At this week’s webinar, Karra L. Kingston Esq (also known as The Debt Lawyer) will join our Q&A session. Karra is an experienced bankruptcy lawyer based out of New York and New Jersey. Her firm has represented consumer clients’ against debt collectors for more than 25 years.

Come ask your questions and find out how to resolve your debt.