Settle your debt: https://www.solosuit.com/solosettle?mkt=yt+negotiate+debt+settlement+on+your+own
Respond to a debt lawsuit: https://www.solosuit.com/debt_answer?mkt=yt+negotiate+debt+settlement+on+your+own
Make a motion to compel arbitration: https://www.solosuit.com/motion_to_compel_arbitration?mkt=yt+negotiate+debt+settlement+on+your+own

We wanted to know how to negotiate debt settlement with creditors and debt collectors, so we asked a lawyer, John Skiba:

0:00 Intro
0:46 Don’t threaten bankruptcy unless you actually mean it
1:28 Give them reasons to accept your debt settlement offer, such as hardship
2:20 Tell them about any other debts you have
2:45 Be prepared for a counteroffer
2:54 Make a fair offer
4:34 Negotiate with the opposing attorney

If you want to settle your debt, making empty bankruptcy threats isn’t the best move. Instead, illustrate your financial hardship and other obligations, such as tax debts or child support, which can affect a creditor’s ability to collect.

Make a realistic offer, and be prepared to receive a counteroffer.

BOUT: John Skiba has 21 years of experience in consumer bankruptcy and debt defense. He runs the @Consumer_Warrior YouTube channel and owns Arizona Consumer Law Group, PLLC: https://skibalaw.com/

In this episode of The Higher Standard, Chris and Saied take a wrecking ball to the myths of modern homeownership—armed with caffeine, sarcasm, and a well-earned chip on their shoulder. From the Fed’s tightrope act to the slow-motion implosion of consumer confidence, they unpack the real estate market’s latest mood swings, including a 5.9% drop in existing home sales and why homebuilder incentives might not be the golden ticket they appear to be. Whether it’s mortgage points, ARMs, or the lock-in effect, the guys explain how debt, equity, and psychology are shaping a volatile new paradigm for aspiring homeowners.

?? But wait—this isn’t just economic therapy. It’s also gym confessions, cold plunges, burrito-based diet plans, and a hard truth: you’re probably not timing the market better than Warren Buffett. The duo dives into the dangers of being house poor, why your credit score isn’t as accurate as you think, and why buying a home should be more about life fit than market timing. If you’ve ever wondered whether intermittent fasting, lifting routines, and homeownership prep could be discussed in the same breath, buckle up. This is The Higher Standard—where financial literacy meets real-life chaos and a lot of unsolicited fitness advice.

???? Share your experiences and thoughts in the comments below.

? *And don’t forget to subscribe!* ?? https://www.youtube.com/@higherstandardpodcast?sub_confirmation=1
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???? *Listen to THS on:*
??Apple Podcasts: https://podcasts.apple.com/us/podcast/the-higher-standard/id1596999039
??Spotify Podcasts: https://open.spotify.com/show/4GWJoCTk8jQRwKyutOERtP?si=70a1afa6b362474f
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???? *THS MERCH:* http://thspod.com
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*Welcome to the official YouTube channel of The Higher Standard, the #1 financial literacy podcast in the world.*

????This isn’t a different standard, it’s The Higher Standard. We go beyond just reporting news; we simplify complex economic events into clear, useful insights.
???? Have you left your “honest ??????????” review?

???? *Don’t just follow the norm; elevate your financial literacy with us. Subscribe and hit the bell (????) to never miss an episode.*
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???? *Let’s Connect!*
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?? Website: https://www.higherstandardpodcast.com
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???? *Follow Chris On:*
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https://www.tiktok.com/@chrisnaghibi

???? *Follow Saied On:*
https://www.instagram.com/saiedm.omar/
—–
???? *Referenced Show Links:*
CNBC
March home sales drop to their slowest pace since 2009
https://www.cnbc.com/2025/04/24/march-home-sales-drop.html
—–
? *Chapters:*
00:00:00 Welcome Back to The Higher Standard
00:03:07 Existing Home Sales Drop: What It Really Means
00:04:30 The Equity Illusion: Why Confidence May Collapse
00:06:44 The Disappearing Middle Class & Homeownership Divide
00:09:33 How Homebuilders Use Incentives to Survive
00:13:04 Mortgage Points & Buying Down Your Rate Explained
00:15:13 ARMs: Useful Tool or Financial Trap?
00:21:08 Financial Awareness 101: Stop Overcomplicating It
00:44:10 The Lock-In Effect: Why Nobody’s Selling
00:47:03 Rate Cut Fantasy: The Fed’s Political Tightrope
00:48:39 Homebuyer Prep: Credit, Cash, and Caution
01:01:00 The Case Against Timing the Market
01:03:02 Don’t Be House Poor (Seriously)
—–
?? *Disclaimer:*
Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.
—–
#TheHigherStandard #Podcast #FinancialLiteracy #HousingMarket #HomeownershipCrisis #MortgageRates #ARMloans #Equity #ConsumerConfidence #RecessionWatch #InterestRates #FedPolicy #RealEstateInvesting #MiddleClassShrinkage #CreditTips #PersonalFinance

Tye Bourdony of The Mediation Center of Central Florida, discuss with Natalia and Mac, the 5 points that may help lead to a successful negotiation at mediation involving debts in small claims court: 1) get legal advice; 2) bring an attorney; 3) be prepared to settle; 4) know and be ready to prove that you have a hardship; and 5) know your budget.

Part of the series MEDIATING WITH OR WITHOUT LAWYERS WITH TYE BOURDONY
https://instantmediations.com/top-5-ways-to-negotiate-debt-in-small-claims-court-with-tye-bourdony/

Feeling overwhelmed from multiple debt accounts? Debt consolidation might be the solution you’ve been looking for. In this video, we’ll break down the pros and cons of debt consolidation, and whether or not it’s the right fit for your financial situation. Read the full article here: https://www.experian.com/blogs/ask-experian/thinking-about-consolidating-debt-good-idea/

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In this special Mailbag episode of the HerMoney Podcast with Jean Chatzky, we welcome back personal finance expert Dana Miranda, author of You Don’t Need a Budget, to tackle your most pressing money questions. From navigating early retirement goals to rebuilding credit post-divorce to whether or not you can justify your boutique Pilates membership, we’re getting real about money, self-care, and financial freedom.

Mailbag Questions:
01:00 “I’m 58, burnt out, and want to retire early; is $200k saved enough?”
07:00 “Should I use my 401(k) to pay off $70K in debt?”
13:00 “Can I afford to work part-time post-divorce, or do I need to look for a full-time job?”
20:00 “I make $180k and have 2 kids, is $200 a month too much for a gym membership?”

???? Buy Dana’s book: https://www.youdontneedabudget.com/

???? Subscribe for more conversations on money, mindset, and living well: [https://www.youtube.com/@HerMoney]

???? Join our women’s investing club, InvestingFixx:
https://investingfixx.com — Your first month is FREE.

???? Got money questions? Drop them in the comments or email us at mailbag@hermoney.com.

? Join the HerMoney Community! ?
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Follow the podcast:
On Apple podcasts: https://apple.co/3lyZs59
On Spotify: https://spoti.fi/3Rb4nYM
The HerMoney Instagram: https://www.instagram.com/hermoneymedia/

Listen to the podcast episode “I make $180k and have 2 kids, can I justify my $200 Pilates membership?” | Mailbag with Dana Miranda” – [https://youtu.be/2gHW4CqC7wc]
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Listen to The HerMoney Podcast while you’re on the go! [https://pod.link/1098802558]
Available wherever you listen to your favorite podcasts. New episodes drop every Wednesday.
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#Budgeting #PersonalFinance #MoneyTips #HerMoney #DanaMiranda #FinancialWellness #ConsciousSpending #MoneyMindset

Starting May 5, the Department of Education is resuming debt collection on loans that went into default before the pandemic. ABC News’ Alex Presha and Alexis Christoforous report.

Subscribe to ABC News on YouTube: https://abcnews.visitlink.me/59aJ1G

Watch 24/7 coverage of breaking news and live events on ABC News Live: https://www.youtube.com/watch?v=gN0PZCe-kwQ&ab_channel=ABCNews

Watch full episodes of World News Tonight with David Muir here: https://youtube.com/playlist?list=PLQOa26lW-uI8ixlVw1NWu_l4Eh8iZW_qN&feature=shared

Read ABC News reports online: http://abcnews.go.com

ABC News Digital is your daily source of breaking national and world news, exclusive interviews and 24/7 live streaming coverage. ABC News is the home to the #1 evening newscast “World News Tonight” with David Muir, “Good Morning America,” “20/20,” “Nightline,” “This Week” with George Stephanopoulos, “ABC News Live Prime” with Linsey Davis, plus the daily news podcast “Start Here.”

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The intention of this meditation is for you to pay of all your debts. This is created around one of my favorite affirmations of all time that I learned from Catherine Ponder

I am so happy and grateful for the complete payment of all financial obligations in God’s own wonderful way.

????Large Sums Of Money Activation Trainings – 12 hours of training on activating the large sums of money reality https://realityrevolutioncon.com/largesumsofmoney

?????The New Earth Activation trainings – Immerse yourself in 12 hours of content focused on the new earth with channeling, meditations, advanced training and access to the new earth https://realityrevolutioncon.com/newearth

???? Buy My Art – Unique Sigil Magic and Energy Activation Through Flow Art and Voyages Through Space and Imagination. https://www.newearth.art/

????BUY MY BOOK! https://www.amazon.com/Reality-Revolution-Mind-Blowing-Movement-Hack/dp/154450618X/

????Listen to my book on audible https://www.audible.com/pd/The-Reality-Revolution-Audiobook/B087LV1R5V

? Alternate Universe Reality Activation get full access to new meditations, new lectures, recordings from the reality con and the 90 day AURA meditation schedulehttps://realityrevolutionlive.com/aura45338118

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????Music By Mettaverse Music

???? Connect with Mettaverse
Their Website – http://www.mettaverse.com
Check out Mettaverse’s art – http://www.brianlarson.art
————————————————————————
Share your insights in the comments.
Ask questions or suggest topics for future guided meditations.

????The Guided Meditations Playlist: https://www.youtube.com/playlist?list=PLKv1KCSKwOo_BfNnb5vLcwouInskcEhqL

????Join the prosperity revolution, all of my financial abundance videos:
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#meditation #debt #prosperity

Are you striving to enhance your credit score and take control of your debt? In this comprehensive guide, we delve into proven strategies to elevate your creditworthiness and achieve financial stability in 2025.?

In This Video, You’ll Learn:

The key factors influencing your credit score, including payment history and credit utilisation.

Effective methods to reduce debt and avoid common pitfalls.

Tips for maintaining a healthy credit mix and length of credit history.

How to monitor your credit report and dispute inaccuracies.?
Better money habits

Whether you’re aiming to qualify for a mortgage, secure a loan, or simply gain financial peace of mind, these insights will set you on the right path.?

Resources Mentioned:

Annual Credit Report – Access your free credit reports.

Credit Counselling Services – Get professional financial advice.?
Contact Mr Edem Amewowor ( Financial expert, qualified) – The website – www.aegisfp.com
His Amazon store for his book:
https://www.amazon.co.uk/YOU-WIN-Inspiration-each-week/dp/B085KG73DL/ref=sr_1_fkmr0_2?crid=LMQCDWXMOA2D&dib=eyJ2IjoiMSJ9.PKtY_zstIoM3A9M1ORiy5tRDECIuAteYD2MQWccoBtjGjHj071QN20LucGBJIEps.MTxzEAFXgKH2ZvKjy5b8kmcRZFh7GytH4ijV2xDfGC0&dib_tag=se&keywords=edema+amewowor&qid=1742289532&s=books&sprefix=edem+amewowor%2Cstripbooks%2C63&sr=1-2-fkmr0

Don’t Forget to: ???? Like this video if you found it helpful. ???? Comment below with your questions or tips. ???? Subscribe for more financial advice and updates.?

How to Increase Your Credit Score Fast
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#CreditScore #DebtManagement #FinancialFreedom #ImproveCredit #MoneyTips #PersonalFinance #CreditRepair #Budgeting #FinancialHealth #2025Finance?
00:00 Introduction
02:44 factors that determine your credit score
07:33 common misconception on credit score
13:04 strategies to support build your credit
21:56 Best ways of paying off debts
24:17 common mistakes
27:43 Best ways to get out of debt
34:17 advice to anyone struggling with credit card debt